While waiting for the Bankruptcy Court to send the "Discharged" documents to the lenders on my mortgages, I could not get any mods started. After FAXing the docs in and multiple phone calls, they finally acknowledged that they had them. They (Fifth Third Bank) sent out a mod package the next day, right after the first call from their collection dept!! And they called again the next morning. Stated that just because the mod was in process didn't matter. They would be calling me every day trying to get 1700 from me. Well, good luck and get in line. The package arrived the very next day and will go back tomorrow. Collections made the statements that they will continue late fees and turning it into credit bureu as much as possiable. I don't know, after completing the ch 13 in Jan 09 just what other damage do they think they can do that I haven't already done myself? Kind of an empty threat at this point in time..