I was able to obtain a Hamp in Jan 2011, I made 3 trial payments and it was finalized May 2011 during that time I got laid off I still made my payments on time. I contacted WF and they approved me for the Unemployment program which reduced my payment in half while I was unemployed. I finally got another job and WF UP program states you have to pay back the difference and fees which at the time was $8,000 which I borrowed from my mother to pay. I'm back on track and then in Nov 2012 my mother became ill and we found out she was terminally ill and she needed home health care which is not totally covered by insurance so I had to contribute to make sure that she had what she needed. I contacted WF and I was informed that there was a new program a Tier 2 and that I qualified for it so the fun begun, submitting paperwork again and again. During that time I offered to send in partial payments but was informed no they would not accept them. In April 24, 2013 I was informed that I was denied. I panicked and hired a loan mod company who scammed me and my employment hours were reduced from 40 to 32 hours per week and I checked which I then met the qualifications so once again I submitted paperwork, October 2013 I was informed that I was denied stating that I could not afford my mortgage, all they advised was a short sale. 2 weeks later my company put me back to 40 hours so I contacted WF again and said now I can resume the original payment they informed me that I owed over $15,000 in back payments. I asked if they could put it to the back or even do a balloon payment in 5 years as I will get $54,000 in 3 years from my ESOP from my former employer, once again they told me to submit paperwork again. My mother passed away January 3 of this year and I had to pay for her funeral. Well I just received my third denial saying that I can afford the payment so now my options are pay the arrearage or short sale. I do not want to lose my home, the WF Preservation team member told me I just needed to accept their decision and move on and no lawyer in the world is going to get my loan reinstated for me. I am so stressed and I am still grieving the loss of my mother. I am feeling so defeated. Any advise would be greatly appreciated.