Today I received a call from our mortgage company and we were declined a "save your home loan modification." They said we have a grand left over from all bills. Yea......where is this coming from? I don't think so. We are 3 months behind!! The next step is forebearance and we have to be approved so it will take another month. I'm scared we won't get this either. I was so upset that we can't get help. We got behind due to daycare this summer for both our children. $260/week. We took out cash advances to cover and now were just screwed! I don't know what to do or where to turn to. I am scared! I know with the forebearance we would have our account held from foreclosure for a few months, but I am really really nervous. Has anyone been thru any of this before?