An unusually prolonged or complex illness, esp. one that causes severe organ dysfunction or threatens life. Catastrophic illnesses often make exceptional demands on patients, caregivers, families, and health care resources.
However, if your current mortgage lender has discounted your current mortgage loan balance, the mandatory waiting period after loan modification is 12 months from the effective date of the loan modification with a 12 months on time payment history which is reflected on your credit report.
On the day of the hearing on your Motion for Modification be sure to come to court early because it can take 10 to 20 minutes to get into the courthouse since everyone must go through a metal detector. Be sure to bring your filled out court forms and copies of any other forms you may have filed.