What the heck!! I just got on my account 12/31/08 and it said do not call before 1/21/2009!!!or you could jeopardize your chances of modification or delay the review process!! Now the more threads I read on this site the more confused I get! *** sent a reply yesterday to my thread saying don't call them back until 1/21/2009 , and that I should probably try another avenue such as naca as well, is there anybody that actually knows what the procedures are? I am against the wall here, way behind and losing faith, don't really want to screw up my mod chances, but then again I would like to work something out, does anyone think I would be shooting myself in the foot , if I attempted contact, or should I just lay in the corner like a lamb to slaughter and let them have their way with me and not do anything? I couldn't live with myself, if down the road things go south for me and my mod, knowing that if i might have shown more aggressiveness and desperation, that things would work out, very frustrating indeed.