My mortgage is in foreclosure and I applied for a modification with America'a Servicing Company in XX/XX/XXXX. XX/XX/XXXX I received a denial of the modification stating that was my calculated income was insufficient to support a modification because the modified payment would be 42 % of my income. I hired an attorney to appeal the decision because I believed the decision was not accurate. My attorney appealed the decision and showed that the income that was used was not correct, that it was actually considerably higher than the income showing on the NPV test results attached to the denial. The appeal was also denied for the same reason. My attorney resubmitted the entire modification package on XX/XX/XXXX showing that my monthly income was in fact {$10000.00}. per month, not the {$7700.00}. per month that the denial stated. On XX/XX/XXXX I received another denial from America 's Servicing Company stating that they were not going to review my application again because the change was not substantial enough to conduct another review. I feel that is both unfair and ridiculous. They will not review my application when they were wrong i n their calculation to begin with which is why I was denied and even after I proved that they were wrong they would not reconsider. Additionally, that is a XXXX % difference in my income. I think any reasonable person would consider a XXXX % increase in their monthly income to be substantial. There is no justifiable reason for the denial, my documents clearly show that I can afford a modified payment. 
