Worked with a counselor found through XXXX ( from XXXX ). She was great. I explained that I had lost my job and that I wanted to see what I could do to not lose my home due to my loss of income. We spoke with Ditech, my mortgage company, and they suggested I fill out and send them XXXX things : a Request for Mortgage Assistance form and a XXXX. I did. Today I finally got through to someone to check on the status and was told that I was denied assistance because I was n't in danger of default. My unemployment income is half of what I was making, and I was barely making ends meet before losing my job. So now I have to file an appeal with more supporting documents, even though they could n't tell me what those documents might be. I 'm trying to get out in front of this thing BEFORE I miss a payment, but they seem only willing to help if I 'm already in trouble. I 've read about companies doing this sort of thing -- denying help until it 's too late, then stalling. I do n't want that to happen to me. 
