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In NJ. October 2011 husband lost job, was placed on reduction plan paying 1000, original monthly pmts 1800. March 2012 divorced. July more hardship, missed reduced payment. Plan broken. Received letter of intent to foreclose. September 2012 Applied for modification. Gross income 4000, take home 3000, monthly expenses 1300. Placed on 1800 trail pmts (same as original pmt). Asked servicer if these would the new pmts? Explain to servicing officer is too much. She swore she does not know also stated that how it is done. Scrapped but made all 3 pmts. Silence for 3 months Apr 2013 Call from Servicer, we needed to pay 3000 before modification contract is issued. She said pay 1/2 now (I did) the rest a month later. Within a month, letter of denial and intent to foreclose. Now 12 months behind.