I have an adjustable rate mortgage with Wells Fargo that has been adjusting annually since 2009. We have applied for a loan modification and been denied 3 times, last time was in 2009. We are in active Chapter 13 BK and have never missed a payment on our loan (we cannot while in BK or it will dismiss our case) I'm getting ready to apply again.. I know the process has changed some since 2009 and would appreciate any advice/guidance available out there. The first time I received a denial letter it simply stated, "does not qualify for HAMP" second time was "Not allowed by investor". Each time I applied I noticed the financial/monthly information I provided did not match the actual numbers WF was using to "qualify" us for a modification. We have an equity line that is being stripped/included in our Bankruptcy as well. A few questions - has anyone recieved a loan mod from wells while in active Chapter 13 BK? or without missing payments? With B of A as the investor? Our payment has not increased at any adjustment, but will eventually which is why we are asking for the modification, we just want a fixed rate. I don't know exactly what the value of our home is but it's probably equal to or a little less than our loan amount. Our incomes have decreased significantly since purchasing our home in 2006 due to slowing of business and economy. We have no savings but also no debt due to BK - only what we pay for our house - mtg, tax, ins. I've also heard a few different opinions on how much defecit/surplus monthly is key to being approved. Any help/advise/guidance is much appreciated!! Thank you.