they gave us 3 options..give up the home, prove we are NOT behind or come up with half. We don't have the money, we ARE behind so there is nothing to prove and WE WANT OUR HOME. The bank won't speak to us about modification because we are in chapter 13! Our only hope is that the Judge not grant the motion to lift stay but thats dreaming. Help! All we want is to be able to modify our home loan. Getting put out would only cause MORE issues/financial strain because our current home loan is NOT in the chapter 13 so we would have to pay it back AND pay rent somewhere else. Is the bank required to offer modification BEFORE filing foreclosure?