Hi fresnelman,
Welcome to the forum and thank you for joining.................
You would need to start the process by putting together a hardship letter.......click on the link for examples of a hardship letter.........
Examples of a Hardship Letter
Then you would need to call Countrywide and ask what options the investor on the loan has for a modification............they will let you know what the investor is willing to do..........and you would need to work with them as the servicer.......
call.....
1-800-669-6650
Please keep us posted on your progress...........