I was approved for the Wells Fargo Unemployment program last September when I lost my job. This September, I was supposed to pay my last payment on that program. I have been working with my home preservation specialist for the last couple of months in an attempt to get approved for a permanent home loan modification. I received a call from the home preservation specialist yesterday telling me that my income isn't high enough but when I looked at their calculations, they took 3 months of earned income and averaged it over a 6 month time period. That made no sense to me. In addition, when I looked at my account online, they show that I am 299 days past due on my payments because they subtracted my payments made while on the unemployment program from the regular monthly payments and are now expecting to get that whole sum paid at once, it is approximately $40,000. When I began the program, I was assured by the rep that they would work with me at the end of the term to find a reasonable solution. What a horrible experience this has been with them. I forwarded a new profit and loss statement yesterday as my income has increased in August and I expect increases in September and October as well. I am now self employed which seems to be making it more difficult to get an approval. My husband has his own business as well for the past month or so and we can't claim his income until he has been there for 3 months. I was told by a rep yesterday that I shouldn't keep appealing their decision because it could hurt my situation more-is that accurate? Also, I was told that our loan doesn't qualify for HAMP because our investor doesn't participate. I am waiting for their decision since I was asked to send a new P&L, what should I do if I am denied again?