[Moe Bedard]

The letter looks good................


but if you include this line

and will continue to make all payments in full and on time


it doesn't show the hardship.............if you let them know that you don't know how much longer you will be able to make the payments due to the loss of income.................that shows a hardship.


If the lender perceives that no matter what...........you will make the payments.....they may not modify the loan because they know you will pay.