Reaching U Network gave me the power to fight back!

Has anyone out there been trying to get a loan modification?  Then you probably understand what I've been going through.  I went to my bank to ask for a loan modification and their advice to me, you can't apply for a loan modification until you default on your mortgage.  Really, not pay a bill? I'm someone who has never paid a late bill in my life, but I took their advice anyway.  BIG MISTAKE!  It's been a year now of calling my bank every week, continuously providing financial records, tax returns and always getting the run around and in the end DENIED!  So as I was about to give up and give up my home when I learned about Reaching U Network, a non profit organization that provides free legal counsel.  They provided me free legal advice on how to save my home, now I'm fighting back the banks to keep my home. I felt I could not win against these lenders but with all the flawed financial lending activities that is taking place my opinion has changed and my hope is restored that my home will be saved.  I want every struggling homeowner to know you have rights!