i have been through the same process like others we had filed for loan modofication in the year 2009, we were approved for the loan modification and started making payments on time in the mean time they several times called and requested for documents which were already submitted to re sent them which we did i have the record now after a year making the payments, they denied loan modification stating that we didnot submitted the documents on time! and by means of telepathy we were suppose to send a copy of pay stub and bank statments every 6 months and without anybody telling us now i have to pay up front $17000 up front or reapply for loan modification ? i have the same suggestion please we should all come up with a law suit or take it to tv channel and unmask these money makers