You have to ask yourself why they would put you on a trial plan to begin with... what's the purpose of that other than to try to generate fees for the servicer? It's a requirement for HAMP kickbacks, but why would a bank's own plan require this? It doesn't make sense... either you can make the payments or you can't. If they're really working with you, why wouldn't they just send you a contract and get it done? Maybe someone in the industry can explain this "trial period" thing? Sounds like they're just trying to squeeze out some money during the foreclosure process. It's definitely not in your best interests to make trial payments. Do you sign a contract when you begin these trials? I'd look long and hard at those things....if there's no garuntee of a mod, why pay them anything?