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Gabel for News Cathy Perkins was in danger of losing her home, and her daycare business, when she applied for a loan modification program. But her bank dragged out the process, and her trial modification.Related Stories   Obama’s underwater rescue?   Obama taps veteran congressman for housing post, former lobbyist for FCC?   Tiger Woods, Mitt Romney financial data posted on hacker website after Kim Kardashian, Beyonce, First Lady Michelle Obama were victimized   Obama: The ‘housing crisis’ is a drag -   my plan will fix it? Cathy Perkins was behind on the mortgage on her Queens home, so she turned for  Steelers Womens Jerseys help to an   Obama administration program aimed at saving homeowners with financial hardships from foreclosure.After stringing her along for more than a year, loan servicer IndyMac said changes to her mortgage were approved through the Home Affordable Modification Program. The paperwork would arrive in the mail, she was told.Instead, she got a flood of letters from lawyers and real estate brokers alerting her that her Springfield Gardens house was about to be sold in a foreclosure auction."I thought my nightmare was ending when Barack announced this mortgage plan," said Perkins, 54, who'd voted for Obama for President. "But it was only the beginning of a new nightmare."Perkins, who owns a home-based day-care business, filed for bankruptcy to stop the foreclosure sale. If she loses her house, she'll lose her livelihood.The government initiative from which she sought help gives lenders incentives to make changes to hard-up borrowers' mortgages that lower their monthly payments to 31% of their pretax income. But the program has left Perkins and countless other cash-strapped New Yorkers frustrated and desperate."This is an example of a system gone  Senators Jersey awry," said Ismene Speliotis of MHANY Management, a housing counseling group that's been working with Perkins.Applicants to the federal program are spending far longer  Patriots Jerseys in trial modifications than the 90-day minimum required to make them eligible for permanent changes, only to be turned down or left in limbo."Very, very few clients ever get permanent modifications," Speliotis said.Nationwide, the numbers are grim. Through October, 520,000 borrowers have gotten permanent adjustments through the program - just 37% of those who've been enrolled in trial modifications, according to U.S. Treasury Department statistics.A Treasury spokesman told the Daily News that the agency's pressing for improvements - though there are no fines or penalties if lenders delay or make a low percentage of trial modifications permanent."We talk to families every day that are at risk of losing their homes and are terribly frustrated by their inability to communicate with their lender and get the help they need," said spokesman Mark Paustenbach."We have worked tirelessly ... to  Titans Jersey stand up a groundbreaking program that has given half-a-million of these folks permanent mortgage relief. But we know that we have only begun to address the problem," he said.
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