Around XXXX of XXXX, my husband had a severe auto accident, where the person that hit him had poor insurance and no resources, so a lawsuit valued at XXXX XXXX yielded XXXX net after all claims were paid out. As he was in XXXX for 3 months and unable to work for three more, a total of six months, major financial setbacks occurred, We were already stretched because of the expenses of raising XXXX children from our union, as well as taking care of his oldest child from his first marriage who is severely XXXX, as well as his ex-wife, who is XXXX and has had XXXX, making her unable to produce income. We applied for refinance and at the suggestion of the mortgage broker and the bank, took a jumbo loan against the house, utilizing all our equity as well as adding enough to cover credit card debt and a XXXX mortgage. Our mortgage jumped from XXXX/mo. to XXXX/mo. which we struggled with for about six years. Our house had gone and remains underwater. We decided to apply for a loan mod, and obtained a lawyer who, as it turned out, new nothing about defending consumers against aggressive predatory lenders. Ours was XXXX XXXX XXXX XXXX XXXX XXXX XXXX being the mortgage management company ( also part of the XXXX organization ). After our mortgage management companies switched several times, it ended with Nation Star/XXXX and, in short, we applied for a modification and XXXX times over XXXX XXXX years they lost our paperwork and each time we had to start over again. We felt the Jumbo loan had been granted to us fraudulantly, as we found out that the appraiser they hired rraised the value of our home to meet the size of the loan. We were also advised to report higher incomes so as to qualify. We were also told that due to the housing boom, we would have no trouble selling our house for enough profit to pay the loan and stgill walk away with enough to put down on another home. Then the XXXX real estate bubble burst, and our home went massively underwater. We paid our mortgage untill half way through XXXX, when we heard about mortgage modifications, so obtained a lawyer, and applied for a modification. After above mentioned loss of our paperwork, they ( having initiated foreclosure precedings, then disqualified us on all accounts, charging us interest and penalties for the entire time we had been trying to get the modification. Our debt went from XXXX to over XXXX, and we have till XXXX XXXX ( possibly XXXX XXXX ) tovacate with our entire family including exwife with XXXX son. Unfortunately, we feel that had we had a savvy lawyer, this would have gone differently. My husband suffered XXXX from the accident, ( although we did n't realize it for over a year later, so that put quite a burden on me. We seek to have the bank 's lending practices examined, as we were pushed in a direction bad for us and great for them. We seek to have a modification to our mortgage adjusted to an amount equal to what we were paying before my husbands accident, so we could afford to stay. WE also feel that we were taken advantage of, when were desperate and my husband was unable to work, and was convinced of applying for this jumbo loan, at 7.9 percent with points, from 6.8 percent..