I agree it’s frustrating to

[UCGal]

I agree it’s frustrating to do the right thing and get nothing, yet see people who made stupid choices get benefits. Very frustrating.

As far as your “friend’s” credit… according to an article this past weekend, loan mods have the least hit to the credit score.

http://www.latimes.com/classified/realestate/news/la-fi-harney13-2009sep13,0,4002454.story