I have had many issues with my lender since XX/XX/XXXX - presentI have attended the XXXX Save your Home Project where I was denied the opportunity to save my home. The lawyers representing US Bank XXXX, XXXX and XXXX XXXX sent a attorney XXXX XXXX who was at the conference hearing and me and my husband explain our financial hardship and the unexpected XXXX XXXX of Our Son and the unexpected funeral cost that had hit us all XXXX. XXXX said the loss of our son was not her concern. How could we pay balance due at this time. 
I did not found out until XX/XX/XXXX that my FHA loan could have been modified. 
I was sending the needed paper work that US bank ask me for and I did not know that I should have used a housing counselor because of the format needed to be use to have my housing documents legal done. 
Today we are facing a sheriff sale dated for XX/XX/XXXX summit another modification package to US Bank requested by my Default resolution manager XXXX XXXX who I have corresponded with over the last XXXX years XXXX ext.. XXXX package was reviewed and a decision was made within XXXX days and he told me I was not eligible for a modification or hamp and I could not file a Appeal. 
All the housing counselors I have used have been complaint with US Bank but they have not been or has US Bank tried to help me with my home but XXXX and I stated to them I could not honor the modification they presented because I would be in default again. Then I must wait XXXX months to be eligible for assistance and this just made matters worst but I was following the advice of US Bank. I never got a fair chance to save my home by XXXX XXXX I 'm facing the unbearable truth of being homeless. 
