Late on Mortgage Payment – Lender Hired a Lawyer?

I have a house that I rent out because I had to move out of state for work temporarily, and money has been tight due to being laid off for a year and never really being able to get caught up. The person renting the house moved out, and I went a month without any rental income, plus I had to spend $ 1,000 to fix the place up in order to get it re-rented. To make a long story short, I got 2 months behind, and was told by the mortgage company that I would qualify for a loan modification so I filled out the paperwork and sent it in immediately. I also got the house rented out so I had enough to send in 2 payments and they sent the uncashed check back with a note saying it wasn’t the proper amount, and that I had to contact this lawyer to get the correct amount! Well, I called the lawyer and had to leave a message, the lawyer never called me back so 2 weeks later I call the mortgage company, and ask what the holdup is with the modification application, and they won’t give me any answers, so I ask them what I am supposed to do in the meantime since they won’t even accept my check because it’s not the right amount, and so far I don’t even know what the right amount is! Their answer was to hold onto the money until either the lawyer gets back to me, or the loan modification people get back to me. So this weekend I get a letter from the lawyer saying I owe the entire amount on the loan!! WTF! Now I need to know what my options are, is there a way for me to even get caught up on the payments at this point? I really don’t want to file bankruptcy, but if that’s the only way to save my house I guess I am open to that possibility, but I’d rather just be able to send in what I owe to get current, and at this point I don’t even care about the modification, I can come up with the months that I owe as my financial situation is much better than it was 2 months ago, heck I could even pay a couple months in advance! I just feel lied to by the mortgage company, had I known they would drag their feet with this modification process, I wouldn’t have even bothered and I would have temporarily borrowed money from family to pay the late month’s payment, but they made it seem like it would be such an easy and quick process! It’s so darn frustrating!!!

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