i'll be posting on this thread now as WF is at least 60% in the money. WF now tells me that my house value has dropped precipitously. their appraisal based on a 60 day sale was 160k in feb. now the home mod. dept tells me it's 125k! i owe 99k to WF and 41k on the house. they called 3 weeks ago hoping to "push through" a mod. before my rule 120 hearing and the sale date. i don't believe anything they say anymore. i've complained to the BBB of three states; CO, IA, and AZ. WF called me at midweek to "discuss" a complaint i had made to the attorney general of of one of these states and i directed the woman to my lawyer. the rule 120 hearing has been postponed to at least sept. 26th and probably longer as my lawyer will be in trial.