January 5th, 2010 
David Hill Hi I’m still up to day payment with pay min. require to lender. Is it easy to call lender to ask for Loan Modification to get lower rate and fix term or should I pay to law office and pay certain fee to deal with lender. Because I heard it not easy to get loan modification unless I didn’t make payment for couple months otherwise I had to know how to prevent to convince the lender to accept it.
Thanks
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