Please Help!

[Administrator]

I have a mortgage with America's Servicing Center (which I was told is a part of Wells Forgo) and I am in foreclosure. I was in a repayment plan where I had to pay $3500 upfront, then make 6 payments of $900. After the 6 months, I was supposed to call back so my financial information could be reviewed and I could then get my mortgage modified. I paid the $3500 (by making several payday loans) and made each of the 6 monthly payments. However, I forgot to call back in Feb to give them my financial information again (the mortgage payments were being taken directly out of my checking account). I received a letter the first week of March advising me that I broke the payment plan and therefore they could not continue the plan. When I contacted them, I was advised they would review my file, because I had not broken my payment agreement (I did make the payments), however there was a laps in payments (no payment was made in Feb). I advised them that I could make the Feb and March payment at this time if need be. I was told to give them a couple of days and I would get a decision. When I contacted them this morning, I was told that I would have to start a new agreement (with a $4000 down payment and 6 payments of $1000+ for 6 months). I would have to make this payment by March 26th for the new plan to begin. There is no way I can get $4000 by March 26th! Does anyone have any suggestions as to what I can do to keep my house? My credit is very poor and it will be impossible for me to make a loan to pay the $4000 or the $9000 that I am behind in. I don't want to sell my home. Would bankruptcy be an option at saving my home? I am totally lost as to what to do now. Please Help!


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(Source: mortgagefit.com)