I just received a letter from Citimortgage stating that my loan is in default and I must pay $10, 803.61 including $45.01 late charges and $142.50 in delinquency related expenses. This must be paid by 06/05/10, along with any additional monthly payments and late charges that fall due. WOW. So basically I was pushed into foreclosure by Citimortgage. I been making trial loan modification payments since June of last year. Since then, I been calling and checking up on the modification. Resending paper work over and over again. Paperwork that I sent in certified mail. (They would say we had a imaging problem maybe it wasn't image correctly.) I was originally told that I was to make these trial payment for six months to prove that I can handle the modification payments . Once I proved that I could make these payment without being late, the modification will be processed, to be final. See, In the beginning we was told the we already qualified for the modification based on the bill and income that we gave to the lady over the phone . The next step was to send in paperwork that would reflect what was given over the phone. The Underwriter would verify the paperwork against the information that had been give to the modification rep in the beginning. Now they telling us that we did not qualify based on the 31% rule. But I seen on the government modification site, that the rule is from 31%-38%. 31% puts use at the monthly payment we are at now, not included the stress of the bills we currently have. I was under the impression that the 31% formula was taking in consideration potential bill a person may have. If this is the case my bills are not included. I was also under the impression that one would qualify for a modification if they could not afford there current monthly payments because of hardship. This was stated on the modification form. This is EVIL to push a person into foreclosure. Why would you do this to people.