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To obtain a loan modification agreement which the bank refuses to give, you need to bring suit against the bank. You should do this right away, while the bank and banking industry are in disarray (and may not be able to find the original note). Attorney Carl Person takes you through a cost-benefit analysis for homeowners wanting to save their home from foreclosure. First, homeowners are to determine the dollar value to them of obtaining a reasonable loan modification agreement (including the value of saving a threatened marriage). Secondly, Person outlines the dollar amount of the homeowner's expected cost (in legal fees and expenses) to commence his/her lawsuit against the bank, and hopefully force the bank to give the desired loan modification agreement. Thirdly, Person explains various ways in which the homeowner can put together the money needed to pay the attorney.