My husband has been unemployed since Nov 2007. We got by on unemployment, savings, and then credit cards. Then his unemployment ran out. Our home value dropped nearly in half, putting us in an 'upside down' equity situation. Since we do not want to lose our house, we contacted WFHM in spring of 2010 for a loan modification, after being counseled that there were many different options available to us. Since April of 2010, we have submitted our 'financial hardship' letter, a financial worksheet, my 2-3 recent paystubs no le... read full review »