In XXXX 2015 my husband went on XXXX, the year before we had a modification, we were not prepared and 3 months went by when i called Suntrust they said we no longer offer repayment plans you have to pay it all. Well, we did not have all the arrears then since my husband was in XXXX. His process lasted until end XXXX and in XXXX they dismissed his case and went back to normal pay by then i had already submitted a workout package to Suntrust. They went ahead and recorded and XXXX and by XXXX NOT even do we were under review, telling we will postpone. Then mod gets denied and they tell me that we no longer aqualify for any workout because of our previous mod ( which was never explained that if we got that mod and there was a change of circumstance we will not qualify ) Everytime i call i get told we have a sale date but send a package for review, then i get told no you dont qualify, i feel there is dual tracking and nobody really knows what to tell us anymore. All i have been asking since last summer is for a repayment plan since we are back to normal and im making enough money to cover the payment and the arrears in a repayment plan i even offer them to add to back of the loan and do a balloon payment. our goal was never to loose home, in XXXX when we got the XXXX my wife lost her dad which put my family at more stress. We have worked with Suntrust and provided all the documents required 3 times already and honestly not sure why. I am a XXXX from XXXX XXXX with 20 years in and i have proposed several solutions to them to help and now the only solution is {$28000.00} or foreclosure, to my understanding CFPB is her to help and at this point i have no other than to ask for help. My family loves our home i did not get sick on purpose life happened and now i am trying to take my house out of foreclosure, when Suntrust can clearly see i can afford it and will repay them. We pay the home insurance on time all the time and keep up the house and take care of the home, we have {$7000.00} saved to start repaying all we need is a chance to get cought up. 
Thanks for your help XXXX 
