If you have applied for a modification with Citimortgage be aware when they turn you down after faxing and mailing bundles of information over and over they will require you to pay in full all back payments due to paying the modification amount that they instruction you to do. I called twice a week for a year the end result no modification and I had to take money from my retirement account to catch up my house payment. They did not care that my husband had a brain bleed and I lost my job do to a buy out by a French company. There collections department is in a the Philippines you can refuse to speak to them and ask for someone from the US. read full review »