We have sent in papers and faxed papers for modification to litton loan 5 times starting since dec/08 They either do not receive them or tell us they only received part of the papers claiming they tried to call us but our cell phone records speak otherwise. They denied us on the grounds thay received only part of the papers and couldnt get a hold of us but we received paperwork from them saying they had received the paperwork and to expect it to take 60 to 90 days not including weekends or holidays. Now they are dening us saying they only received part of the paperwork. I do not have any idea where we stand now but due to two car accidents that neither were my fault I lost my jobs and had to get two new ones at less pay. I am deperately trying to pay litton but they are being unsupportive and unreasonable. every time we have contact with them we receive a different story, HELP HELP HELP Jan Gusek 344v north Adams st. St. Croix falls WI 54024 612 532 5809