Hi Zap09-
I am also in a similar kind of situation or may be even worse
....
I have sent all the paper work including monthly expenses ....
We were doing fine till couple of months back when my husband lost his job and our household income went down drastically
..... so after 4-5 updates on monthly expense (to and fro with WF) .. currently our monthly deficit is around $2000 ....
Do you think whether they will consider me for loan mod?
I have been calling them since coupld of months but no good response yet ....
Thanks,