In 2005 My wife XXXX & Myself were forced to file chap.XXXX Bank Ruptcy we did not include the mortg held by Wells Fargo Mortg . co. wells Fargo was presented a letter of intentions to keep the property, complete the payments. they were instructed to sign this letter, & return it to the court within fourteen days they chose to ignore the letter. their actions have prevented us from being able to qualify for refinance through the Obama Harp progs. It took me years to find out why. I then contacted Wells Fargo They admitted to their mistake however they stated that it was too late because any actions had to be completed within that fourteen day period I just today found out how to contact you. My wish is to make corrections so we will be able to refinace under the rules, & regs. of the Harp progs. The reason for this cond. is that the Real Estate market collapsed in our area by XXXX %. It is slowly recovering but not enough to allow us to refinance under standard conds. to qualify for the Harp Progs is our only hope. Wells Fargo 's actions, or lack of actions has already cost us thousands of Dollars We still have 19 years left on this mortg.which is at 7.5 % int. any help you can offer will be a big blessing Thank you 
