In late XX/XX/XXXX I called my servicing bank which is Americas servicing and let them know I was having trouble making my payments. At the time we had to sell our business as we were not able to keep up with it. The bank stated that we needed to miss a payment before they would review a loan modification. At that time we missed XXXX payments and they began looking at my scenario. After the 3rd month o f missed payments I felt nervous and asked to bring it current but the bank said I was now 90 days late and they would n't accept a payment and that I was to wait for the loan modification process. I began sending in financial statements repeatedly to prove my income decreased drastically. I hired a company XXXX to help me with the loan modification process, in which I paid roughly {$1000.00} in total for services that did not help at all. On XX/XX/XXXX I received a call stating they would not modify my mortgage. They stated I know must pay {$28000.00} to keep my home and have until XXXX XXXX to pay this amount. I need help with this process as I feel I have been mislead along the way. 
