Has anyone had any experience with this? After nearly a year and a half of unemployment, sad convoluted story, yada, yada, I have all the crud necessary to file for loan modification, and the mortgage company (Wells Fargo) says that they will try to work me into the Obama affordable housing plan. I can see via a simple search engine moment that the mortgage companies aren't doing all they can, and that some folks are following the letter of the agreement and getting foreclosed upon anyway. Has anyone here had any experiences with this, or maybe someone's in the industry and can tell me how to best advocate for myself to get the help we need? Many prayers come from us daily, and yet I feel like we're at the mercy of a system we aren't allowed to learn about. If you know someone or know something that might help, I'd really love to hear it!