I fell behind with my mortgage payments in XX/XX/XXXX because my income dropped 20 % and my expenses have increased- I have XXXX children that are attending college - I am trying to do my best to provide them the best education for their future- In XX/XX/XXXX I applied for loan modification however I was approved for trial. the trial agreement was not reasonable and unfair to my family - I was approved for XXXX & XXXX trial for {$2600.00} and XXXX trial was for {$44000.00} -I did n't accept the offer because we do n't have that kind of money - we are asking for help- I filed a complaint with attorney General against Wells Fargo- They notified the attorney general they would review the file once again to resubmit the financials. I resubmitted the financials but this time I hired an attorneyon XXXX I reapplied - I was denied because they do not have the contractual authority to modify your loan because of limitations in our servicing agreement for HAMP and HAMP Tier XXXX the investor is XXXX XXXX there was no mention about the standard modification - I am asking for your help because I strongly feel I am being treated unfairly by both Wells Fargo and XXXX XXXX I do n't want to lose my home and I am trying to find a solution to keep my house unfortunately Wells Fargo and XXXX do n't care 
