I do agree on one thing. NO bank should have gotten bailout money. They either should have gone without it OR gone belly up and been taken over by the FDIC.
I would keep working on Wells. I do a lot of work with the banks and they are always loosing something. they have thousands of pages drop of the fax machine daily. What we do is put labels at the top of ever page that we send. the labels have your account number on them. I then give it 48 hours and I call to verify that they posted them.
They may have told you that they moving towards foreclosure but dont take that as an answer.Tthey dont want the property. If you can prove to them that you can afford it ,they will work it out with you. I have seen banks foreclose thru sheriff sale and reverse it to keep a homeowner in the home,as long as they can prove the can afford the mortgage.
Good luck and dont take no for an answer.