BEWARE! If you are under foreclosure with Citi and have been trying to get a remodification - you will LOSE! We were going through the same thing. They gave us "30 extra days so they could process the paperwork" they never knew what they were talking about, they couldn't answer our questions - they even had the wrong loan number on our paperwork. 27 days into our extension - they AUCTIONED OUR HOUSE WITHOUT NOTIFYING US! These assclowns don't know what they are doing. They are a rip off. We are fighting it and have retained a Real Estate Attorney! Beware, beware, beware.