We all thought that with the advent and efforts of the new Obama Administration, the loan modification process would be accelerated. But our hopes are dying down as both Servicers and Lenders are putting roadblocks one after another on some pretext in loan modification process. Too often they would claim they never received the documents. The call centers would route your call to wrong departments, or to different part of the world, especially India and Phillippines or even Costa Rica, where friendly representatives would greet you but without any help. Too often, their only concern is how to collect money from you. Here, is an excellent article published in NY Times about how Obama plans likes to speed up the loan modification program.