I am sorry to hear about your situation. I agree with my colleagues that the best advice will be to contact an attorney. If you don't have money I would suggest looking in to the free legal services as already mentioned by my colleagues. I wish you the best in resolving your situation.
The attorney general has been investigating companies that claim they are part of the Hope program and are not. they have similar names.
For instance here is a company in Cherry Hill and Bellmawr NJ that has some press :
There are phone numbers also that will provide so aistance in the articles.
I hope you can the help you need. Seek out legal assistance also. In your area look to your county for legal aid and services
Cape-Atlantic Legal Services
26 S. Pennsylvania Ave., 1st Floor
P.O. Box 58
Atlantic City, NJ 08404
The Hope Hotline 1-888-995-HOPE offers free, confidential help and assistance to homeowners with mortgage problems 24 hours a day / 7 days a week in English and Spanish..
Keller Williams Atlantic Shore