The first question you want to understand is who the investor on your loan. If the investor in FNMA, FHLMC or FHA the government is involved. If it is some other investor there may some problems where the investor will not entertain the modification. Also you might be talking to collection people and you need to talk to loss mitigation people. I you want some assistance I would be glad to try and assist you. Otherwise try to find someone loacally. Sometimes people do not commucinate with the banks exactly what they want or at least the bank does not understand what is being said.