XX/XX/XXXX I attempted to do a loan mod with Wells Fargo. At the time I could not afford the monthly payments but I was current. Wells Fargo would not return my calls so, at the advice from my attorney, I stopped making payments. They now returned my calls. During that time I filed Chapter XXXX bankruptcy and had my XXXX home loans discharged. I went through the loan mod trial payments process successfully but Wells Fargo rejected my loan mod saying the XXXX lender would not subordinate ( this took 2-1/2 years XXXX. I hired an attorney to try a second time to get the loan mod and, after a year and more trial payments, Wells Fargo provided a loan mod document subject to the XXXX lender subordinating. That lender still would n't subordinate but would agree to a payoff. I received the agreement from the XXXX lender, faxed it to Wells Fargo with the knowledge the lien would be removed within 3 days of receiving my payment. Wells rescinded the loan mod saying I took too long. Wells gave me 20 days to solve the problem but it took me about 45 days. I was at the mercy of the XXXX lender 's time table. I met Wells Fargo 's loan mod criteria ( trial payments - twice ), I have the ability to make the payments, I can satisfy Well 's requirement to remove the XXXX lien but they are insisting on foreclosing. In addition, I can qualify for a new loan ( refi ) but under bankruptcy rules I can not obtain a loan until a waiting period which expires XX/XX/XXXX. How do I save my home? 
