Robert Paisola Spent the entire day dealing with attorneys and members of the Department of the Treasury working on getting the ABSOLUTE SPECIFIC FORMULAS for approval of a Loan Modification Request under "HAMP | Home Affordable Modification Program" It was brutal, however we are now compiling all of the data for you and will publish our final report on our site www.CreditInAmerica.com (If you understand what I just said... you will be blown away by the data we were able to obtain!) Relax America, just because you have not paid your mortgage in 12 months DOES NOT mean you will loose your home! Stay Tuned!