Dealhunter I have not run into any cases like that but it sounds perfectly logical. I would say that in the case you spoke of, where essentially you are getting close to running on fumes but you are not there yet, I would presume that in addition to the hardship letter you will eventually need the documentation, (assets/liabilities/tax returns/w2s) prepared so that when they are ready to talk turkey you can show the them the beef so to speak.
Sounds quite logical to me, it just has not been my experience yet.
