I 'm on my second modification request with Select portfolio servicing/XXXX XXXX Bank regarding my mortgage. I have submitted XXXX full applications for modification/resume mortgage over the last 2 years. XXXX was turned down for " not enough income '' and the other was approved but again the income calculations were drastically incorrect. Our request to modify or resume was so we could continue making my current XXXX per month payment or something close to that. This time they came back with an income calculation of over {$15000.00} per month. They offer to have me make and payments of over $ XXXX per month for the first 4 months followed by $ XXXX per month for the life of the loan. The income was again calculated incorrectly. The proof provided via tax returns, paycheck stubs and bank statements clearly shows a monthly gross income of between $ XXXX per month. Now, after waiting several months, actually a year for an answer thay have pulled the offer for review which will no doubt take several months. Meanwhile arrearages and fees add up and get added to my balance for mistakes they have made. My wife and I have lost several days from work providing paperwork to the mortgage company, appointments with a counselor at XXXX and court dates with more to come. I have answered every question, provided every document and fielded phone calls " attempting to collect a debt '' of which they will not accept payment on unless it 's full payment. I finally have a job where I make sufficient income to pay all of my bills and I see tremendous progress. I just want to pay my mortgage! Our family is under tremendous stress not knowing where we will be living and all we want to do is resume our mortgage payments and live in our home. 
