Need help with my countrywide loan

[Joel Fraser]

I have read all the countrywide threads that I could find. I am currently trying to get a loan modification. I lost my job so countrywide has agreed to a forbearance time period of three months so I can find a job and modify my loan accordingly to my income. I accepted my forbearance period but, now my concern is the modification price. My friend has tried to modify her loan with countrywide and her fees are very high. They are charging her Interest: 15,850.00 Fees: 0.00 Escrow: 6,848.48 in total $22,698.48 and then they had a breakdown of her new payment which is no less than her current payment. The breakdown was Interest: $1,698.49 Escrow Items: $331.07 Optional Insurance: 0.00 with the new monthly payment of $2,029.56 and her pre-modified payment was $2,058.64. On top of all that my friend had other fees to be paid by CERTIFIED FUNDS they are as followed:Modification fee: $500.00Title and Recording fee: $0.00Delinquent Escrow: $757.27Foreclosure fees: $0.00Bankruptcy fees: $0.00Field Inspection Fees: $90.00Outstanding Late Charges: $237.75NSF/Misc. fees: $0.00Delinquent Mortgage Payment: $0.00Modified Mortgage payment: $0.00partial Payment: $0.00____________________________________ total= $1,585.00She did not send sign her paperwork for the reason that it was not a good workout program. I have told her about this web-site and she is currently reading the threads to fight countrywide again..My question is, Will I find myself with fees like these? Will I have to pay $1,585.00 up front in certified funds in order to modify my loan? We are loosing our home because we are struggling though unpleasant circumstances financially and for us to pay a large fee and only get our payment lowered just a little bit does not make any sense!!!PLEASE HELP...Thanks...