perhaps you should of bought the modification kits that really work with your lenders, it may of cost acouple of hundred dollars but it would of saved you time and frustration. i am really sorry that you have experienced that, My sister was referred to a mod company and got nothing done, then i bought her her own modification customized kit and it worked! the banked accepted the proposal. It is clear that obamas plan doesnt work, thats why he is off the subject so quick. I feel bad for my sister who ended up almost losing her house if it wasnt for the software we purchased through a friend. I felt violated. your not alone.