I have been working with a client beginning back in XX/XX/XXXX. He was finally approved a trial loan mod in XX/XX/XXXX. The first pymnt wld be due on XX/XX/XXXX - XX/XX/XXXX. His new payment wld be {$500.00} down frm {$650.00} originally. XXXX XXXX is XXXX and only has XXXX XXXX for income. The same month he was given the trial mod ; he got hit with a child support garnishment from XXXX and they garnished {$360.00} from his XXXX of {$970.00} leaving him with only {$610.00} to live on. There was no way he could make the {$500.00} payment at this point ; so he turned down the offer. XXXX XXXX appealed to XXXX and they reduced the garnishment down to {$75.00} a month. By the time this appeal was completed and the garnishment was taken care of it was too late to appeal and ask them to go ahead with the original loan mod. So they made us reapply and subsequently they turned him down stating he did not have sufficient income to make the original trial payment that was offered to him. There was only a {$75.00} difference in the income once the child support issue was taken care of from the original income submitted for the loan mod request. They denied him XXXX additional times, stating he did n't have enough income to qualify then said the final time nothing had changed since the prior denial so they would not look at him for a second change Hamp Tier II ... This situation was totally out of his control and he was blind-sided by the child support. If thy could approve him once for {$500.00} why can they not offer it to him again. The {$75.00} difference would not have kept him making this payment. 
