We received a DOJ mod in April after literally 4 years of trial payments then non-payments, the usual runaround everyone else went through. We blame them for the mess to begin with since someone at BAC initially told us we had to be three months late to even apply for a modification. Long story short, they only reduced principal, which was essentially all those late fees and the difference from partial payments that they set up and perpetuated by never making a decision, plus us stopping payments altogether. They did not reduce our interest (6.75%), so the payments are still 39% of our gross monthly income. So now we have become late again, after making 4 on-time payments. (Loss of income last summer due to husband getting Lymes and not able to work for a bit (self employed professional coach) and husband's sister with cancer and mother hospitalized. We received the standard Notice of Intent to Forclose, but I've since made a payment. so now we still owe September and October payments and it's the 16th of October. I plan to make another payment Nov. 1. They sent a letter stating that they applied this new payment but would still accelerate it on Nov. 6 as previously stated in the NOI, unless we paid the fill $6700etc by that date. Do you all know if they move on this faster when it's already been modified, or will it take forever like before? (Prior to mod approval, we basically stopped making payments for over a year because we were so sure it was throwing money away) We are in Maryland, which has a 90 day timeline, but I'm wondering if making a payment here and there will help us. We could probably do a short sale but we're not quite ready to give in yet. (This is a NY Mellon conventional-not Fannie or Freddie) Thanks for any advice!!