For over a year I have been attempting to get my mortgage lender to work with me on a modification of my loan. I am seriously under water on the loan and have repeatedly asked for help in determining how that might be corrected with a modification. Rather than continuing to throw more good money after bad I stopped making payments. This caused the lender to change course of the conversation and processing to a foreclosure, which is pending. I have received an offer to " modify '' the loan but it requires that I continue to make payments through a trial period of 3 months before they will finalize the process of defining the terms of the loan. There is no indication the loan will be reduced to reflect what the actual value of the property to be which is {$130000.00} less than the loan I am expected/projected to have modified. Aside from this, there are erroneous declarations on the documentation that do not reflect the actual circumstances. There 's is never anyone to actually discuss this with since it 's always a phone bank of minions who all have the same script. I can not get through to a real decision-maker even with the help of my attorney. The problem is not that I ca n't afford to make the payments. The problem is why I should continue to do so when I know I have negative equity. 
I applied for this modifictation by declaring in clear and concise terms that my wife is handicapped and I would have a difficult time finding a comparable home where I could take care of her. She is cognitively impaired due to a brain aneurysm. Not only do they ignore that appeal, I continue to receive documentation for her to sign. They have a copy of her power of attorney as well as medical documentation showing her handicap. It 's like the balance of this situation - the lender simply is moving toward a foreclosure without any consideration of the actual matters that brought us to this point. My question is : How do I get this problem addressed with the lender? We 're at 20 months since the process started and I am no closer to having an answer. For the record, the lender is Select Portfolio Servicing. 
