Can I Get a Loan Modification If I Am Not Behind

I lost my job last September because of the economic slowdown and we haven't really been able to get on our feet since then. I recently had to have a pacemaker for my heart and am not able to look for a job yet. We have tried to get Litton Loan Serv. to help us to get a loan modification but all they say is that we have to wait until our ARM reset

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