This blog is based on saving money. I know there are tons of people out there who are trying to get their home loan modified. If they were to get their loan modified they would probably be saving a lot of money. However according to Night Line (among many other sources) "the average person trying to get their loan modified will not be able to."
Check out this you tube video. It is a news story about how a congresswoman was trying to help some homeowners get through to their bank to help them try to get a modification. She got nowhere just like most of us who have tried.