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meridia weight loss drug NOGUCHI: A few years ago, when I spoke to counselors like Charun, they often made it sound like getting a bank to modify a loan was like clawing out of a rabbit hole with your arms and legs tied. You never knew where you were, no one seemed to hear your cries for help, and you had no control. Now, Charun says, she's seen modest progress. There's an online portal where documents are submitted, so banks lose them less often. There's also supposed to be a single point of contact, although if the mortgage is sold, she says that tends to go out the window.