Has anyone out there have their loan modification?

Yes, there are many instances where customers had their loans modified. You can check out the following link
http://www.debtconsolidationcare.com/getting-loan/homeloan-modification.html .
However, to have your loan modified, the best way is to contact your creditor and tell him of your financial situation instead of going for loan modification companies.

I am happy I have my loan modification my lawyer atty. marc tow modified it the result was great. why dont your try him.