I have been trying to get modified for over 2 years. I went into a 3 month trial HAMP with the 1st payment in Dec, 2009, the 3rd was Feb, 2010. We were with Wilshire, who sold to BAC just after our 3rd payment. We are coming up on our 6th month and still nothing concrete or secure, and even worse, BAC seems to have no information regarding my mod or my status. They did say they are honoring all mods that Wilshire initiated.
I am considering an agency to help us. Has anyone done this and has anyone heard of Haffar & Assoc/AJ Wiggins? He says my trial payments are about $400 more than what they should be based on our income.