I've been trying to get a HAMP for nearly 2 years now. I've had to reapply 3 times. First time application was lost, second time It was cancelled due to non-reciept of docs - which I proved was incorrect. Now this third time I'm currently in underwriting awaiting decision for another HAMP trial mod. This week I received an app for HAFA and I was also served with a foreclosure summons. I have 14 days to request the HAFA and 30 days to answer the summons but I haven't got my re-apply HAMP decision yet. My understanding is that I cannot have both a HAMP app and an HAFA app simultaneously. But that's what they're asking me to do. No guarantee they'll have a decision on my 3rd HAMP trial app within either of these deadlines. I am being forced to choose HAMP of HAFA and must lose one for sure.