I have a home loan with Flagstar Bank.I got behind on my payment.I was told to ask for Help from The Loss mitigation Dept. They assured Me They would Help. I did everything asked of me to Help with the modification.after a year of mailing check stubs and Bank statements.I was told they lost my File and I had to start over.I had no other Choice but to resubmit All the papers again.I called almost every day Worried about loosing my home.They kept reassureing me everything will be ok.They told me my Payment would be Modified so I can afford my Payment. There was no Modification to lower my payment actually they added to Payment.It took almost 2 years to get a modification. They wouldnt accept any house payments to provent from falling further behind. So I was 24 months behind when they finally told me a Quailfied for a Modification. If thats what you would call it.When this all started I owed XXXX on my home After the Modification I owe XXXX {$.00} I was told they would put all the payments I was behind on the Back of my Loan.Then how did my Balance Increase by XXXX $ .I now owe more than my house is worth. So I cant even refinance and try to get a lower Payment. I had to file Chapter XXXX just to save my home. I am in a bad situation Owing more than my home is worth.I feel I am being set up to Fail and lose my home. Please Help me Find JUSTICE 
