modification denied HAMP IndyMac Onewest bank foreclosure

Plese help those of us who believe we would qualify for the Making Home Affordable Progam  ( HAMP)  I have been denied becasue of what I believe is an income error in my mortgage companies system ( IndyMac / Onewest bank) I have been over it quite a few times with their loss mitigation department and they only want me to keep reapplying. I have been at this process since March 2009 and it is now Nov 2009.  I did not buy this home without knowledge or on a whim. We have invested 7 years and alot of $$  on this house but lost $2000 a month in income in April 2008. I can not refinance due to the home lossing so much value in the last year. I do not want a reduction in principle I just want a lower payment with the help of the loan being extended to 40 years or a slight interest decrease. Please help the American people!  It was stated on King 5 news  ( Seattle) last week that the mortgage foreclosure rate has risen to 300,000 per month nationwide campared with 60,000 last year!  WE NEED HELP NOW!!!!!!  Thank you for your time. Read more about HAMP program is not working