We were declined HAMP because we supposedly had equity-they are trying to get another type of mod to help us.(freddie mac) My question is we were paying the trial period amount- which was about $500 less that our current mortgage payment- it was a big help and put us close to where we need to be. They want a new workable solutions package from us which I am filling out-when i add up my expenses i come out about $500 in deficit each month.That number is about the same as what the trial period amount decreased our payment by- which is why it helped so much! The case worker is telling me i can't show that much of a deficit each month on the paperwork-and should be no more that about $100. If I show that deficit though, and show that the modified amount is what we need- if I cut expenses down to show little or no deficit than wouldn't it kill our chances of getting a mod? i'm terribly confused here HELP!