Just wanted to take a quick moment to thank everyone on this forum for sharing their experiences and advice. I've been fighting this battle for the last two years and finally I received approval for the DOJ modification. I still have to make my 3 trial payments and once I make all payments, they will reduce my principal balance by $180K and interest rate (not disclosed in the letter). My payments were also lowered as part of the modification. The approval process for DOJ took less than two weeks! I was completely surprised with the turn around time. To all going through this process, hang in there and continue the fight.