Good Luck, and please, please let me know how this turns out. I really do care, it makes me sick the things that are happening to good people like you in this country. Our government seems to have forgotten taht banks don't vote, people do!
I agree with Suzanne, Call your Congressperson and your State Senator. Banks have played games with loan modifications and our tax dollars. If you were approved, you should have received paperwork which states that, but even if that never happened, if they put you on a trial modification and now expect you to come up with all the back payments this does not seem reasonable. Let us know how things turn out.
This may be the delay you need to get your settlement and pay them off. A short sale if it comes to that is better for credit repair in most cases.
I'm here to help. Please call.
This sounds like a tough situation to be. I hope you have fully recovered from the accident.
Naturally, it's hard to speak about your situation without direct involvement. With that said, this behaviour from the banks is not uncommon. Many people have entered into reduced payment modifications only to lose the home to foreclosure in the end. The truth is that the number of homeowners helped by loan mods is very, very small.
What can you do? Get some help to fight back. Depending on your state, you may be able to delay the foreclosure date long enough to make it to your settlement. What does your attorney say? Ask if they can help or make a recommendation to someone who can. Contact the county and ask if they offer help for people facing foreclosure. As a prevoius post said, contact the local media, your elected representatives...any one you think can help shine a light on your situation.
Good luck -John