That would depend on a number of factors. Were you behind in your mortgage and you got the modification or you were not behind and did a modification. If behind was it due to the eccomony, would need to know, was it job related due to ecomony. There are a number of ways to approach this . please feel free to call me to discuss further in detail. I can be reached at 631-360-2151 daily till 10pmThank youJoy GoldbergAccurate Capital Corp
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