The lenders have gotten 700 billion dollars of our tax dollars to help homeowners modify their loans to more affordable payments. However the lenders are basically sitting on this money and they are not using this money to give fair modifications to homeowners. If you are choosing to stay in your home, the only way to get a fair deal is to involve legal means and any other means to make sure the lender comes to the table and negotiates a fair and affordable payment and lowers the actual principal balance rather than merely cut the payment and add it back to the principal.
Find a honest attorney and make sure you are not going to these lenders without protection.
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