Facing the Mortgage Crisis | What You'll Need

What will a housing counselor need to see to help you with your mortgage problems? They'll want to see your mortgage statement as well as any notices you have received from your lender or servicer. You should also have your most recent tax returns, verification of income, and a good idea of your household budget and monthly spending. The counselor will help you understand your current situation and what you need to do address the problems you are facing.

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[Beingreal40]

So if my mortgage auditor already pointed out I'm in a predatory loan (a loan I could'nt afford in the first place.) Example: I qualified for a $75,000 loan; how do you expect to modify a $300,000 loan? My numbers are closely related.

Why try to modify when you know you were set up to fail in the first place? That's the real hardship.

To me it's like making a deal with the burglar and I have nothing left to offer.