An attorney may be able to help you. Avoid the loan modification companies that charge you a large fee. I have had clients come in after spending $1,500 - $2,000 at a loan modification company and the company did nothing. There are a lot of scammers out there.
It is not unusual for the lender to lose the information and the home owner to send the documents 3 or 4 times before someone starts work on the modification. In some cases it takes even more attempts. In many cases it takes longer than three months to get anything done.Ask a similar question