Why can’t people who got behind on house payments get help restructuring a means to keep their home.?

My husband and I got behind, lost a business, fell behind on payments and now our bank, programs,etc will not even talk to us about a way to fix this and keep our house of 35 years. We want to pay every penny we owe but first we have to have help getting back on the right track. Refinancing and stopping all of the fees and interest accumilating.

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