HopingtoFind, I also wondered whether they intentionally made me late in order to push the modification through. However, I was told that my modification was already approved in late October, and they didn't "make me late" until mid-November. By that time, the ball was already rolling (verrrrrrry slooooooowly). So I don't think that's what happened.
Sorry, Hoping, here's a pet peeve alert: it's "principal" that needs to be lowered, not "principle". The lenders' principles are low enough as it is.
Second pet peeve alert: I really hate these smileys.
