Well, Wayne- you would pick the most difficult lien holders to work with wouldn't you? LOL kidding... sort of. To be honest with you, Countrywide is in my opinion one of the most difficult lenders to work with. BUT there is good news.
They do modify loans and Bank of America is in the process of taking over Countrywide completely and although still slow, they are better to work with in my experience. Get on it now and be very persistent with them. Call, call, call. make sure all of your paperwork submitted is detailed and clear and neat. You basically have to do their job for them. Document everything and be a negotiator.

If this isn't you, then find someone that knows what they are doing and hire them to do it. It may cost you a little but in the long run it will save you.

Hope that helps. It's hard to give a detailed answer on a blog.

Debbie