I fell behind on my mortgage 27 months ago because my husband was XXXX. The medical bills and the fact that he could n't work ( we had a XXXX ) left me unable to make mortgage payments during that time. The business was losing money each month and the medical bills were overwhelming. In XXXX XXXX my husband finally passed away from his XXXX. In XXXX XXXX I closed our business. I then approached my mortgage company ASC and explained the situation to them. I advised them that my financial hardship had ended with the passing of my husband and closing of our business. I have a steady income and I would like the opportunity to save my home. The only response I have received from ASC was that " my payment is affordable '' and they can not help me. My attorney called and spoke with them asking why I was denied for a regular modification. They replied it was due to my NPV and that my payment is affordable. Neither of which pertain to my hardship and situation. I tried to explain to them that my hardship was not an un-affordable payment. It was XXXX. I am not asking for any payment reductions. I only request to be considered for a Regular Re-Capitalization modification that will bring my loan current. I am fine with the payment increasing and I understand my balance will increase after the modification due to the missed payments. I have since hired an attorney to re-submit my paperwork for me and they state I qualify for a Regular Modification. I have run my NPV and it is Positive and so the denial reason of negative NPV ( for a standard modification ) is not a true statement. ASC has filed a Notice of Sale on XXXX XXXX, XXXX with a sale date of XXXX XXXX, XXXX. They did this after filing a Notice of Default from two years ago on XXXX XXXX, XXXX. I am not sure this is even legal in my state to issue a notice of sale two years after a Notice of Default. I am asking that they simply give me time to have my updated financials reviewed for a regular modification before moving forward with my sale date. 
