I lost my job in June 2011. While I was back to work FT in February of 2012, I managed to get behind on my mortgage. AHMSI/Homeward, put me on a repayment plan that started in March of 2012. Fast forward to July 2012. I have never had a problem with the repayment until July. The payment was to come out on the 26th, the same day my payroll was deposited. My bank debited the mortgage payment before depositing my check. The payment bounced. I called them that day, they said they had not received it returned and told me to call in 2 days. I called in 2 days and they said that I was kicked out of the repayment plan and now they have escalated my escrow account as being due. They said that they sent me a letter back in March about the escrow, this is a letter I never received. They are willing to put me back on a repayment plan but the amount is HUGE and includes the escrow shortage. They told me I could ask that department for a stretch out of the escrow shortage to 36 months, which I did. I faxed them paperwork etc and it's being looked over. In the meantime, I scheduled a payment for the end of August, but they are not saying it's in repayment until the escrow shortage is taken care of. I don't have 10k to give them for this. I can't understand why they would simply kick me out of the repayment plan when it was going fine and was set to be over at the end of August? Does anyone know anyone I can speak to at their offices about this without getting a run around at every turn? I am terrified I am going to loose my house. I also requested loan mod papers but I haven't gotten them yet. Thank you for your help.