I had gotten a packet from Freddie Mac with papers to fill out for loan modification to possibly not lose my home. Then I got a phone call today from the mortgage company telling me I was not eligible for any modification because of my lack of income and I needed to find a way to start making payments. When I asked her why I got these papers from Freddie Mac if I was ineligible for these programs she was unable to give me a straight answer. She then had the balls to say it was unfair to them that I was not making payments. I flipped. I said words to this effect: "I'm so sorry that my disability has inconvenienced your multimillion dollar company... you poor babies, I feel so bad for you, I'll make sure to light a candle for you."