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I went thru mediation to do a loan modification on my house. An offer was made. They reduced my interest from 6.25% to 5% and extended my loan over 40 years. This does not seem to be a modification at all to me. At this point I believe I should file bankruptcy of some sort but I am not sure what options. My loan is held by Wells Fargo/Freddie Mac. There are too many government websites out there for help ... too confusing to wade thru them all.