my husband and i requested for a modification, the mortgage company gave us a bunch of run around for two years sending paper work back and fourth to here and there and over and over and over. They had us believing they was going to give us a modification and then denied us and gave us a bogus excuse that we was not qualified for a modification and tried to foreclose on us. my husband and I had to file chapter XXXX to keep our home because the lender lied to us.So now we have a mortgage payment and a plan payment because of the mortgage company. 
