Yeah, I'm 60 and I do believe there is some discrimination in this process that the banks are using to delay modifications. The idea is to discourage as many as possible and the result is that the weakest are the ones to drop off the table and lose their homes. Read the class action lawsuit against BAC by the homeowners of Washington State. It pretty well says it all. If you are in ill health, or in any way weaker than the average person through age, health, or disability, you can kiss this process (and your home) good bye. There needs to be a fair housing complaint, and lawsuit. I'm certainly going to complain.