Our Mortgage company encouraged us to apply for a loan Modification. As part of the application process they also encouraged us to NOT make payments in the interem. They later denied this and tried to foreclose on our home. We had to file Ch 13 BK to save our home. Two years later they "again" encouraged us to apply for a loan modification for "people in bankruptcy". This time they supposively approved the application but then changed the terms more than once and never put anything in writing. We have not only endured years of anxiety dealing with this, but our credit is ruined as a result of bankruptcy , and we currently are once again facing possible foreclosure. This is NOT due to non-payment, but rather due to there fraudulent business practices. Unfortunately we are not alone!