We were just forced to file Chapter 7 Bankruptcy, and are losing our home of 27 years. We've been scammed.

We took out a home equity in 1998 . It was sold to several different companies over the years. This last company (Caliber Home loans). My husband was hurt at work, had surgery, etc. got compensation. I called the mortgage company and told them our payment was coming, yet would be late. "No problem" according to them. I sent them two payments to catch up. The money was sent back to us. There was a note stating after so many missed payments, they will refuse payments and proceed with Forclosure unless we pay 50% of What was due them. At the time, it would have been approximately $80,000.00! We had only missed 2 payments! Our mortgage amount was down to about $65,000. They stated that with legal fees, principal and intrest, etc. our NEW percentage rate of 10.99% so on and so forth. Our amount due was approximately $165,000. We went to court to stop the Forclosure, that didn't work but, they never followed through, after 4 yrs. I received notice that our home was up for Auction in 4 days.