We hope to get disablity to save our home from foreclosure

You're situation sound like it's similar to mine, my house was completely destroyed in the "Midwest Floods" in August of 2007 (FEMA #1719) and I was ordered out of my home by the city due to the extensive damge and toxic mold. I HAD TO find a place to rent and couldn't afford to pay the mortgage on a destroyed house AND rent so I HAD to stop paying my mortgage while I was working with FEMA (what A JOKE they are.. they do NOTHING) to try to get funding to rebuild my home. Countrywide was the orginal lender and they had told me that they have the ability to reduce the priciple to reflect "current post disaster fair market value". I supplied Countrywide with EVERY SINGLE DOCUMENT AND RELATED PAPERWORK including a very long and detailed letter of hardship and also estimates and appraisals and then they were bought out by Bank of America. BOA now claims that they know nothing of any loan/principle modification from Countrywide and has done NOTHING to work out a fair solution to this disaster. The house has been ordered by the city to be razed and the cost of doing so is around $20,000.00. The land tax appraised value is at $72,400.00 which leave a NET total "value" of only $52,00.00. My original principle is $150,000.00 and now with arrearage, etc is over $202,000.00 on what is actually only worth $52,000.00, talk about being UNDERWATER.. pun intended... BOA stands to lose so much by foreclosing and I'm trying despirately to get them to understand that and am willing to even meet them half way but they just keep offering to change the interest rate which.. would be GREAT IF I COULD LIVE IN THE HOUSE but it's posted "Unfit for Human Occupancy" by the city and must be demolished. What can I do??????????