An unusually prolonged or complex illness, esp. one that causes severe organ dysfunction or threatens life. Catastrophic illnesses often make exceptional demands on patients, caregivers, families, and health care resources.
However, if your current mortgage lender has discounted your current mortgage loan balance, the mandatory waiting period after loan modification is 12 months from the effective date of the loan modification with a 12 months on time payment history which is reflected on your credit report.
In the states that have one, the mandatory waiting period usually ranges from 30-90 days, although even in states that don't have a mandatory waiting period, it may still take that long to finalize the divorce because the judge's schedule controls how quickly your case proceeds.