The Treasury Department should not allow the lenders to include forebearance in denying people access to the modification. If you are truly interested in helping people stay in their homes, you need some parameters and compliance on the part of the banks. We were denied by Nationstar because the "balloon would be too big at the end of the 30-year mortage." Your program needs more teeth in it. I would like a copy of your guidelines for my own knowledge before getting an attorney involved.