I am sorry to hear of your misfortune I too recently went through the same thing. it was real bad , we got down to the day before the public sale and the mortg comp agreed to rework things out,

I got lucky, might be worth a shot, one more talk with them, not sure how defiant they are being, mine was very reluctant to help in anyway.

as it is I know how scary things are for your family my families prayers and thoughts, for a positive result, go out to you,

talk to a lawyer, there are some things that can be done, just be careful of what i called the house sharks, the first class mailings u are getting or soon will be from folks who want to buy your house and help u out of things,

yeah dont believe it they are trying to make a buck see if a realtor cant at least do a quick sale and keep the foreclosure off your credit

again sorry to hear whats hapening


Frank