WFB used incorrect and outdated income figure to calculate loan modification, only reducing my mortgage by {$120.00}, which is put on back end of the loan, due when loan is paid in full. I wrote and spoke to them during Trial Period, disputing NPV input with income documentation. I was not informed of my right to deny loan and re-apply using corrected income. WFB representative treated me as though I were in the welfare line and should be happy to receive their help. I stopped paying my mortgage, taking advise, that more government help available for those behind than those that our current. I have applied for reconsideration, wrote many letters requesting they reduce my interest rate to 2 % from it 's current 4.25 %, which is the same interest rate I had on previous loan. Unfortunately my income has been reduced so much this year that I can not qualify for any help nor can I keep my home. 
