They will not respond to me to stop the foreclosure

what law allows this hsbc bank to forclose on a house in america and not follow the laws in this contry

I was never provided with a Hardship package.They knew due to illness I was on disability.They also knew I had to file a Chapter 7 in 2001,since I willingly left my career to help my mom durning her terminal illness and then my dad suffered a 2nd stroke.In the chapter 7,HFC does not state its a mortgage,it stated I took out an installment loan,for 60,300.00 and the court D/C'D THE "installemt loan on 4/16/2001.Yet,I was constantly being threatned to pay them or I would lose my condo.Now,they want 2,477.47 or they will take my condo on 2/12/2012.without a court appearance .I just got a full time job on Friday,Dec 17,2011 after over 3 yrs without work.How do these people sleep at night?? I have tried to negociate with them and place th missed payments behind the loan.They refused and also stopped sending statements,months ago,when I could have been making payments.They also kept giving different addresses to send my payments. One address is in NEW York,then they changed the address to Brandon,Fl.So when I sent my payments without a statement,they now state they can't find them.I'll be dammed,if Iam going to be homeless for 2,447.47.There is something very wrong in this country if a mortgage co doesn't even follow the laws regarding the foreclsoure process.And now they claim,I have a BAD ADDRESS. And they don't know my phone number.Well my address certainly hasn't changed in 16 yrs,and now they state it no longer is available.????