[LVrealestateHELP]

negotiate without being behind on payments? All of our modifications came after the clients agreed to not pay.

[Komaraconsulting]

Its possible but most of the time it is through the "HOPE" team which if you saw the terms of the mods they do you will start to call them the "HOPELESS" team

[penniesfromheaven]

you can do it yourself

[Icanhelp]

You can qualify for a modification even if you are current with your payments. You have to have a genuine hardship and you should be at about 100% DTI . This will fall under eminent default. The hard part is getting to a derision maker, when you call all you get are clerks who just give you the runaround.