I applied for a mortgage mod and did not get it.?

I was trying to get my payment lowed as I have a 9.75 % on my mortgage. I was behind 5 payments as could not keep up. Hud said I will get my interest lowed to 5% and I could catch up and make normal payments. I am dealing with ASC and I thought this was one of the government backed programs. Now I am told its not so. I live in new york and the bank just put me in to foreclose . What are my options?

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