My husband lost his job in XXXX weeks before we closed on our house and we tried to pull out of the loan and instead they told us they would open up a home equity line to help us pay the mortgage until we were back on our feet we ended up financing almost 100 % of the home price We tried renegotiating the loan several times to get rid of the home equity line because we were only able to pay the interest on it but because of declining home prices and the economy no one would touch our mortgage I had to close my business and XXXX and file an LLC chapter XXXX I reaffirmed both the mortgage and the home equity line however when we tried for a loan modification in XXXX XXXX I suddenly started receiving letters about a bankruptcy and charge off of our home equity line when I looked at my credit report I noticed it was reported to the credit agencies that the home equity line was included in the bankruptcy and it was not I contacted Wells Fargo about it and the credit agencies but Wells Fargo insisted that it was not reaffirmed even though I sent proof to them and the credit agencies then they told me the credit line was charged off and if I wanted to continue to pay it there would be no more interest accrued and I would be paying down the principal My credit score declined after they reported this now we received a letter stating that the equity line is in a repayment process and we must start painting paying {$350.00} a month in XXXX we have been waiting to hear the outcome of our loan modification since XXXX XXXX and have been getting a run around ever cents please helpWe owe {$270000.00} on the house plus an additional XXXX on the line of credit and the house next-door to us just sold for $ XXXX applying for the home modification we were advised by Wells Fargo home preservation specialist to become a month behind on our mortgage or it would look like we were able to pay the mortgage and we would have a better chance of the modification if we were behind in payment 
