I actually heard about the guy with 6 loan mods. My friend is his financial planner if it is the same guy. The classic thing is that I heard that they were now cash flowing. It really is a jacked system. If you are trying to get a loan or a refi, you can’t, but if you are defaulting you get a refi for $100. Right or wrong it is legal, and if you are being honest then you are foolish not to use the tools available.