Hi Renee,
Welcome to the forum and thank you for joining.............
If this is the only property that you own..........you may want to try going through NACA instead to help..........they are a HUD approved counseling agency and the services for their Home Save modification program are free........we have had many members give up fighting and getting a runaround with
CW and get help with NACA instead............here is the link for the info..........
https://www.naca.com/refinance/refinanceTenStep.jsp