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I read margi1's post and went to NACA's website, opened an account and made an appointment for the following day. I was told what documents I needed and set up a follow up appointment. NACA will deal directly with the bank. I was told that I should get a modification and an answer sooner than 30 days. This looks promising. This is a fee free service to me. NACA gets a fee from the bank once I make 3 months worth of on time payments. Check it out. I have read all the horror stories of people losing their homes getting the runaround from the bank. This service guarantees there will be no more runaround. Best of luck...