that's what i've heard, too. i think that in order for the banks to work with you, you've got to be behind. i don't know what kind of sense that makes, but it is what it is. if you're behind, they'll work with you. if you're current, but struggling, they can't help you. usually it's the other way around, ain't it? must be how bad things are in the economy, i guess.
As was the mortgage business, there are tons of companies that offer loan modifications. Be leary of those that don't have a money back guarantee or ask too much up front. Like anything else be sure you do your due diligence ask, ask ask; and talk to several companies as well so you can get a good grasp on this.
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"Most folks are about as happy as they make up their minds to be." Abraham Lincoln
