[allyn]

"Based on what you say it sounds like you should qualify for a mod. It is a ll in the details of your situation and how you present it.
The lenders are understaffed and unprepared to deal with the mortgage crisis.
You can't get to a dessication maker on the phone when you call. The clerks that answer the phone can't help you.
If you still need help you can contact me. I'll be able to see if you qualify."

I agree with you Alex. Nice advice.