i have been trying to get a loan modification for over two years with thes people. they finally sent me a modification contract and new payment plan, only to follow a few days later with a letter stating it was a mistake because i had not sent in all the required documents. so i called and was told what i needed to submit. i faxed this info to them immediately only for them to deny recieving it. this senario continues every few days, i call, send what they ask for only to hear they either didn't recieve it or some other item is needed. im scared to death that im being set up to loose my home. im contacting everyone i can for some info as to what can be done to protect the homeowners from this kind of situation. please contact me if you can pass along any help and i will do the same.