[m_osweiler]

I was behind in my mortgage with Countrywide, and was offered a loan modification. After several months of back and forth phone and mail, I was finally offered to increase my total years to pay to 40, decrease interest rate to 6 and add the unpaid balance back into the loan. This is what gets me and I need to know if it is legal, if it had not been paid why should it be added back to the loan? Essentially by adding this amount back in the modification did nothing it only lowered my payment by$40.00.