What are the chances of a loan modification through Saxon Mortgage even though I have on my current loan?

I am currently on my mortgage and I never missed a payment. I read that if I’m behind the lender is more willing to work with me. Are they legitimate loan modification to assit with your loan modification?
I sent all the necessary documents to Saxon in November 2008. I published an update every 2 weeks, but every time I call my “social worker” does not remind you. I have 3 supervisors who assured me that I receive a call within 72 hours, whenever she spoke never called. I have no idea what happened b / c can not my files, but my caseworker that does not seem existieren.Ich never late or missed a payment but what should I do? Should I stop paying any month? What should I do, I have 2 children and not more than $ !

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