I have applied for a loan modification and because I now make enough money they do not want to approve/or review me for a loan modification again. I was told by a HUD credit counselor and other government agencies that since I experienced such great hardship I was able to qualify for a loan modification. Why am I now being penalized now because I now have my full income and not on sate furlough. This is n't fair and I am asking for a fresh start to begin my payments again. Is there anything you can do. 
