Jenn,
Your interest rate right now might be considered to low for a workout........but given the hardship situation I would still try.............
Also do your household income/expenses to show $100-$250.........$400 is a little bit high...........and with the cost of gas, groceries, and necessities going up all the time......you might have missed some expenses.....
What you would need to do at this point is to put your hardship letter, and an explanation of the runaround you have been given when you tried to be proactive, into the body of an email along with you loan number, property address, and contact info...........and send it to each of the email addresses below..........you should receive a response within 48 hours getting you to the correct dept. to work on the modification in a more streamlined manner....
Hope this helps to get you on your way........
Please keep us posted on your progress......