I have been impacted by the pandemic and was placed on a forbearance plan which has ended. I reached out to my mortgage servicer in hopes of receiving a loan modification.i received a letter saying SPS trial modification under the servicing agreement governing this account, the requested assistance option was not available, and SPS was unable to approve your request. What does this mean and what should I do? I am so scared of being kicked out. Thankfully I am still employed but my husband's hours have been significantly reduced..please direct me with some knowledge and steps I should be taking...I will fight for my house until the very end. Thank you.