Countrywide Home Loans Countrywide Suggested I Contact Their Modification Department, Help Department, Special Services Department and "Last Chance" Department and Laughed At Us Plano Texas

that the loan modification was commercial puffery only, They have no intention of doing loan modifications. Its just advertised - but not available.
READ THE ARTICLE
http://www.msnbc.msn.com/id/28645505/
In court, Countrywide says its ads are puffery'
Defending lawsuit, mortgage company mocks loan modification assurances

The lawsuit has to do with their FAILURE of loan modifications and want the lawsuit dropped in spite of admitting to false advertising.

Also with Countrywide. DO NOT GIVE UP. Her and her husband were very persistant and did eventually get a loan modification from them. Their interest rate was lowered and locked in (They had an ARM that eventually made it impossible for them to stay in their home - but they did get the modification). And they do have those other departments you listed, maybe not all of them but my friend did have to jump through a few hoops.

Ask to speak to supervisors and managers and do not stop until they help you. They did also explain to my friend that they were working accounts with high priority first, like people who were in the process of foreclosure. And with so many of those out there, you might have to be a little patient but remember, the squeaky wheel gets the grease.

Be pleasant but persistant....they won't help you if you're rude - or will do it grudgingly.

Good luck to you. Also, I just want to add, that the banks are NOT making money on foreclosures and are doing all they can to avoid them. Properties are on the market an average of 17 months now. In that time banks have to pay for maintenance, realtor fees, insurance, electricity, water, property taxes, etc. Home values have fallen so much that when they do sell it is for well below the cost of the mortgage and the expenses and the banks do lose out. I really, truly wish you the very best of luck. Try not to take it personally when the lender is so distant and evasive - they are in over their heads right now and it's not the fault of those answering the phone. Just remember they are getting hundreds of calls like yours everyday - do what you can on your end to make sure you're someone they WANT to help.