Lolina's experience is so pathetic, yet a typical example of what numerous innocent homeowners are passing through every other day in today's America.

One can't help but wonder why an institution posing to be an expected source of mortgage finance help could suddenly turn out to be a malicious source of financial and emotional nightmare!

God help America!

Please help me, I used to work at Washington Mutual and my husband was working too. During the years we worked, we planned for our kids college education, hence we acquired a house, and 3 other houses in CA. After 5 years of owning we sold 3 of the houses and the proceed we exchange it to 6 townhouses in Tennessee. In 2008, I struggled paying one of the mortgages because a tenant has not been paying rents and owed $14,000+ and I did not know it. Last year, I got laid off from my computer programming job, I took over the management of evict the tenant and fix it. Concurrently, I was trying to get a loan modification through the servicer Homecomings Financials, but during my request, they sold the mortgage to Aurora Loan Services, LLC. I got approved by Aurora Loan for a forbearance agreement and I adhered to it. In the meantime, in July 2009, my husband suffered from ischemic stroke and was not able to work since then. During the time I was in the hospital for almost a 1 month, I wasn't able to open the mails as I got so busy with my ill husband at that time in the hospital. When I got home sometime in August I opened a mail from Aurora Loan announcing that my property is in foreclosure & the sale date was set. They ignored their promise of loan modification and has been asking me for money which I dont have. I really believe am a victim. Despite my request for loan modification, they unfairly gave me only one option to pay $2,800 per month for 10 months which they knew I could not afford because my monthly mortgage on this one is only about $650 including PMI fee per month. They set me up for failure, I did not agree to the offer, I prayed and I called the customer service hoping to find someone who would give me a better plan. When I called I found out that Aurora Loan Services has changed my financial information in their system, based on my understanding on what I gave to them when I asked, they put figures in credit card payment fields in their system that brought me down to a negative deficit, hence, their reason why I could not get approved for modification. They are currently selling the house to another party, I would like to file a wrongful foreclosure against GMAC Homecomings Financial (originator of SubPrime loan, they put me on Stated Income Stated Asset), then they sold it to Aurora Loan Services when I was asking them to help me modify the loan due to hardship.