Since XXXX, my husband, XXXX, has been intermittently unemployed due to the housing market crash. I was also employed in the XXXX industry, XXXX was also laid off at that time. I had been able to find work, but our household income was substantially less. Since XXXX, we have filed for a mortgage modification over 6 times. Our home preservation specialist would continuously change, our phone calls would not be returned, they would claim that documents were missing and that we never sent them in, when if fact, we had numerous times. We were told items were too old and needed updating when we had sent them in time. America 's servicing either failed to process or lost them. In XXXX, we had to file for bankruptcy ; however our case was dismissed because America 's Servicing would not modify the loan in time for us to present a feasible plan. Finally, in XXXX XXXX they said because of my husband 's current unemployment they would modify the loan for 6 months. We were told that as long as all our payments were made on time that the modification would become permanent. At the beginning of the modification we were 3 to 4 months behind. At the end of the 6 months, they did not permanently modify our loan, despite receiving all our payments on time. No reason was given for the denial. 
In XXXX we were sent a new payment that included all the monies in arrears. The amount rolled in raised our payment over a {$1000.00} a month. If we were not able to make our regular payment before the modification, it does not make sense that we would be expected to now make an even higher payment. To address this we very quickly applied for another home modification. We went through the whole process yet again and were turned down again in XXXX. I continued to make the regular payment as the new higher payment had not yet gone into effect, but upon being denied in XXXX they refused to accept my payments. We have recovered a bit financially and could probably handle a monthly payment around {$3000.00}. I called the home preservation specialist who told me that my home was not in foreclosure, which I have since found out to be a lie. Instead, I was advised by our home preservation specialist to just sell my house. I told him I do n't want to leave my home. We are both working again, full-time and want to pay our mortgage every month. He said based on your income you do n't make enough money to pay your amount in arrears and your monthly payment. I said is n't this why you go through modification? Our rate for this loan is 6.75 %, why ca n't you lower our rate and add the amount in arrears to the back end of our loan? If they had done the modification in XXXX, XXXX, XXXX or XXXX we would n't be here now. Saturday, XXXX XXXX, XXXX I received a letter from an attorney 's office saying to contact them to reinstate our loan. I called a not for profit counseling center and they told me to call America 's Servicing and ask if they have an ACT XXXX in my file. They faxed it over to me and apparently we have been in foreclosure since XXXX XXXX. I have been lied to by my home preservation specialist, and I was not properly notified. I have been given no option but to come up with {$60000.00} or my home will be foreclosed on. 
Please help! I do n't know what else to do.