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As this story today on NPR's Morning Edition makes clear, the banks still don't seem to have the hang of this whole loan modification, even after a couple of years. The key take away for me is that you should never assume that the answer is "no" until you've heard it multiple times. If you're in danger of losing your home, fight and then fight some more! You never know when the person at the other end of the phone simply got it wrong or was too lazy to do the work to get it right. Keep asking, escalate to a supervisor, ask for help from other organizations. Don't give up!
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