My mortgage was with Thornburg, which went bankrupt, and is currently serviced by Cenlar. I am trying to apply for modification and was sent forms for a "loan work-out" which includes "temporary modification" , not permanent, as an option. For starters, what is a temporary modification? While I knew Cenlar was going to send "their" forms versus the HAMP forms, their forms seem quite different. Does anyone know if lenders are required to consider borrowers under the HAMP program? Could I send the HAMP forms instead of the Cenlar forms?