I am the Cheif underwriter and a principle in a loan modification company; Marsh Robert Group(Marsh Robert.com) I personally prepared and submitted a loan modification request for a family in Arizona. They would have been prime candidates for any lenders modification criteria. The household lost significant income in the economic downturn when one of two employment contracts were cut. The father goes out and finds a job teaching special needs kids. He continues in his original employment contract remaining and continues running his part... read full review »