I XXXX XXXX applied for a loan modification with Bank of America, for years they denied me a modification then this year they said if I make trial payments they will give me a modification. I made XXXX trial payments and then they send me a loan modification agreement. And I cant accept it because they want an outrages amount of money that I do n't have. They did n't forgive me the past dew amount. I know there are government programs that exist for these situations that are supposed to help the consumer like my self. But I do n't see those programs working. Please help me with this. 
