I've been attempting modification or anyhing with all those free agencies and now a private "helping" agency. While attempting modification or anything other than foreclosure... ASC told me on the telephone that everything was on-hold because they were considering. Weeks later Auction notices are posted on building. Not my idea of on-hold. Help ?!.

I think chap 13 is my only last resource.

Are judges currrently allowed to order and modify loan interest rates ?