Aidpage group discussing "hardworking"...

After speaking with a Countrywide rep, I've been informed that I have till 4/28 to catch up with a payment of $9,197.34.  I am 4 months behind which equals approximately 6,292.00 - so the rest is all the delinquent fees, not counting legal fees? She couldn't even give me a breakdown of the charges. But then, after the 28th it will be more. What is your average American citizen to do in this situation?

This is my Countrywide Story - I had done a refinance in June, 2006 originally held by New Century Mortgage, who sold me to Countrywide (whom I would have NEVER gone with on my own).

I have been in my home, as of to date, for a little over 11 years and had one late payment in that amount of time. In August, 07 I ran into some financial problems and September, 07 had my first late payment with Countrywide. Because the "law of nature" seems to be, 1 month behind, 3 months to catch up, I saw a situation arising and contacted Countrywide about refinancing me to a lower interest rate (I was at 7.85%) - my credit had been cleared up (due to a messy divorce) and I paid off over 40,000 in bad debt as opposed to filing bankrupcy, I just felt it was the "right" thing to do. You don't get any credit for doing the right thing sometimes, I now wish I'd done a bankrupcy as I would not be in this situation now.

Anyway, I was basically laughed at and demeaned by this loan rep and told to call back when I make 15 to 20,000 more a year. The next step was to request a modification and after about 3 weeks I was turned down for that. No one there could assist me in any manner but to tell me to pay up - well, I am now 4 months behind, have been locked out of my online account, could not get thru all weekend and when I finally got someone on Monday am, she could not tell me my balance due or anything. All she could do is request a retention letter, which would take 3 or 4 days.

Well, funny that today, Wednesday, I come home to the Sheriff serving me foreclosure papers. The amazing thing to me is that my home is appraised at 261,000., I owe 180,000 - and they can't help me with all the eqitity I have in this?

I am a 55 year old single, hard working person and doing the best I can - I am devastated, angry, and soon to be homeless. I live in a tourist area where at this time of year I won't even be able to find someplace to rent. I put my house on the market in the hopes that it will sell, 40,000 under appraised value and it's been 2 months, and nothing.

I have never in my life been treated so terribly by any company and I will find a way to sue them for the pain and aggravation they have put me thru! I even contacted the Bank of America, who purchased Countrywide to see if they could help me - They don't take over till the 3rd quarter, so I guess Countrywide is closing on all they can prior to that takeover - I told them, boy, you're getting a great deal for the money - I have a decent home, my grandson (11 years old) can finally ride his bike to Grammy's house, but Grammy won't be here but another month.

Will I be able to sell without them causing a problem? Is there a chance of my keeping the house? Please, someone help me out here with some advise! Thank you so much.