Wells Fargo does not want to stop the foreclsure and allow me to keep my home

Our house has been on the market since August 2007. We are having difficulty paying the mortgage so we submitted a letter of hardship to Well Fargo. We were told that we would be receiving information about short sale in the mail. We have never received anything from Wells Fargo. We received a summons letter about foreclosure. We called Wells Fargo and were told that they are still looking into our hardship case. We asked if we could make payments again. No!
What do we do? We wait. I have payed faithfully for nearly 10 years and now that we are in a financial crunch I am treated like a criminal.
What I would like to do is turn the house over to Wells Fargo. The house is only worth $54,000. I have paid $52,000 in interest. Take the house and what I have paid in interest and call it even.

Below is the letter I faxed to Wells on 11/30/07.. I called every 2-3 days, as instructed, and asked "Do I have a negotiator assigned yet?" No, not yet, please call back... Then, on 12/04/07 they file foreclosure... I have the money to pay the back payments ($2900.00) however, they are adding 'estimated' attorney fees, and so on, demanding over $6,000.00 now.. They requested a summary judgment on 3.13.08 ~

What else can I do? I wrote Oprah a letter asking for help, Garth Brooks, and many many others..

I qualify for Ch 13, but from what I've read I am afraid I'll get the short end - somehow - It seems the unspoken "Mission Statement" of Wells Fargo.

How can they, knowingly deny & refuse my money while my other mortgage company (I have an 80/20) is delighted with whatever amount I can send... It's a total scam ~ Appreciate any comments, guidance, or legal help ( I want to sue their *sses for what they've done)

Taking the home of a single mother.. (my first home) if I lose this house can I ever get another?? Not for a loong time, I fear..

Here's the letter:

November 30, 2007

Wells Fargo Home Mortgage
Loss Mitigation Department
Attention: AMY McMILLER
Fax: 866-359-1975
Tel: 877-216-8448

Dear Ms. McMiller,

   I am writing this letter to explain my recent hardship(s) as requested by Duane during a telephone conversation we had on November 28, 2007.

   I was distressed to discover my loan has been handed over to an attorney for foreclosure... I realize this is because I am behind on payments. I am stunned that my account has now been increased by $1,500.00 simply for transfer of file and the cost of mailing one letter. I did not receive a letter from Wells Fargo stating that this would happen. Attached is the letter I did receive; one week before the attorney's letter arrived (also attached.)

   In February 2007 I was let go from my job at Nordam. This came as a total surprise. I went from $52,000.00 a year to NOTHING. I was fortunate to have money saved to allow me to keep current up until now... I was denied unemployment. I appealed that decision and that was also denied. The final notice arrived in June that I would not receive any unemployment benefits because I filed too late... I didn't know how the system worked.

   With the loss of my job also came the loss of my health insurance. I was unable to afford the medications (ADD) that are necessary for me to function 'normally' and find a job. I struggled with depression, deep feelings of loss and impending hopelessness. This eventually turned into utter denial when faced with the overwhelming bills that kept arriving. I simply lost the mental 'capacity' to handle any of it.

   I was unable to have a simple conversation with you or my other mortgage company, Wilshire... What could I say? I had no money, was living on food stamps and donating plasma to get money for gas just to try and find work. I have been to the Salvation Army for help with my electric, applied for Energy Assistance Relief from the stake of Oklahoma Dept. of Human Services. I have utilized all types of agency support over the past months to simply keep my lights on, the gas on and the water flowing.

   I realized there aren't any agencies that can help one to feed their pets... So they too had to cut back and the the cheap food... Which if you have pets, you know what cheap food can do to their digestion... Gas-Ex for dogs, anyone?

   So, during this time I decided it was best for my daughter, who is 12, to stay with her father... Until I get it together, until I get back on my feet. I didn't want her to see me that way.. I didn't have the gas to get her to school... It has been really really hard, but it was the right decision.

   I worked for 4 weeks in May through a temp service. That helped... but didn't turn into a permanent opportunity. I was out of work until August when I worked the PGA from 8/06 to 8/12. There it was 12 hours a day, on my feet... surely one of the hardest jobs I've ever ever done. I was excited at the chance to earn money and as soon as I had my check, I mailed Wells Fargo a $400.00 check and Wilshire a $300.00 check.

   Wilshire accepted and applied the money to my balance. Wells Fargo returned my check with a note that nothing less than the full amount due would be acceptable. My heart SANK when I read this. How is that fair? I called and was given no exception, only the same explanation that nothing less than the full amount was acceptable.

   I was so proud to have worked so hard all week at the PGA. So proud to have money to send towards my home loan/s. I truly felt I was getting ahead. Imagine my despair when my money was refused? All that pride was stripped away and again, I felt like nothing.. Hopeless. Again.

   Hard as it was, I tried to keep my chin up. I have a daughter that needs me, two dogs that need me. The thought of losing my house brings tears to my eyes even now as I type this letter... The thought of trying to fit everyone into an apartment is not an option... Me, my daughter, a bird dog and a german sheppard... Oh boy... The pet deposit would be as much as the rent! Besides, nowhere can you find an apartment for $537.00 ( the total amount of both mortgages.)

   I kept looking for work, donating plasma so I could have money for gas, I applied for food stamps from the state. I have had 6 yard sales, and there's not much left to haul into the yard.. I plan on keeping my bed.. There was simply no other way I could save money except to cut my phone, and one must have a phone for potential call backs on job offers...

   In September I found work at a steel plant. It was not in my field, however, it was work. I worked from 7.00 am to 5.00 pm / 5 days a week. I wore steel toed boots, safety glasses and leather gloves. I was an expediter, walking the shop in a steel plant that makes oil rigs. I was the only girl, but my manufacturing experience sold them on hiring me. It was harder to get past the sexism from the guys and ultimately I was unable to continue working there. Guess I'm not as tough as I thought I was, but I tried. I really tried.

   During that time, I had a conversation with Wells Fargo and made arrangements to send in payments for four months with a balloon payment in February. About a week after I made that plan, I lost that job. I didn't call and tell you because I was confident I could get the money and still keep my promise. I was wrong.

   I asked my dad for help, only to discover the IRS had his account frozen during audit. My boyfriend lives check to check, and couldn't help me.... As you can imagine, by this time I am wondering what in the world is happening and what's the plan because it shouldn't be this hard to find work and pay one's bills. I am not a loser, I pay my bills.

   Finally, pride was stepping up and kicking despair right where it needed it....
I called old contacts, relentlessly phoning those I thought could help me find work. My diligence finally paid off.

   I am now at a wonderful company called Labor Relations Institute, Inc. This is an excellent opportunity for me to pursue my dream of starting an export consulting service, as they focus on labor relations consulting, it would be an easy cross over. Hopefully their instinct to diversify will blossom into a wonderful career. I am employed through a temp agency called Tulsa Temps. I will become a permanent employee after 90 days.

   I am heeding some good advice of laying low and drawing a check. That's what matters right now.

   Please carefully consider my situation. I want to keep my house; I don't want to lose it! I will be paid weekly for 90 days, then it will switch to bi-weekly. I am currently making $13.00 an hour. I estimate an average take home of $475.00 per week. I am confident I can send about $300.00 every other week. This would allow me to bring my other mortgage up to date and pay a little to everyone else I owe.

   Again, I want to keep my house. I want to get current. Please allow me to send money to satisfy my obligations! I don't my house in foreclosure, and it scares me to think that this attorney can CONTINUE to proceed, adding charges to my account! The amount due doubled when the attorney sent ONE letter - $1500 on top of $1600

Please allow me to send money and get caught up without any additional fees.

SINCERELY,

---------------------------------
AND HERE'S THE LETTER TO GARTH BROOKS:

January 8, 2008

GB MANAGEMENT
Attn: Garth Brooks
1111 17th Avenue South
Nashville, TN 37212

Dear Mr. Brooks,

I must admit I feel awkward writing you this letter. Even more so by mailing it all the way to Nashville, when we're practically neighbors! I live at XXXXXX and Peoria, in XXXX It's not the best part of town, but I found a nice 'pocket' with good neighbors. I bought my home there 3 years ago, and I love it. I live there with my daughter, who is 12, and our 2 dogs - Buddy & Lilly.

I hope you and your family made it through that ice storm. It kept me up all night, and then no electricity for over a week... It really makes one aware of how much we take for granted... Warm water to wash your hands, a bag of microwave popcorn. We were thankful the furnace was all gas, as was the stove, so we stayed warm and were able to warm up some Campbell's soup... that was the best soup I ever had.

By now you wonder why I am writing you... and to be honest, only a part of me knows why. I had a dream. Crazy, yeah, but here's the deal: I am fighting to keep my house, the mortgage company is starting foreclosure, I call them every day trying to get a payment plan worked out but they want more than I can give.

I lost my job last February and worked several places since then, only recently securing a permanent position. In all that time I kept my faith. The job God wanted for me wasn't ready, even though I was chomping at the bit to get to work. I am strong believer that everything happens for a reason, and what may seem a tragedy today could in fact be tomorrow's blessing.. I have seen it in my own life so many times.

My boyfriend, a single dad himself, asked me, "Carol, I have rarely seen you crack in all of this. What are you going to do?" And I say, "I only worry about what I can change today. Otherwise, what's the point worrying? Upsetting myself over things I can not change..." Deep down a part of me knows everything will come out ok, but still I am so scared.... With only 2 months on the job, I can't get a loan to bring my house up to date.

Now, don't laugh, but 2 weeks ago I wrote a letter to Oprah asking for help. I have written to the Zarrow Foundation, Schusterman Foundation, and many others. I posted a bulletin on MySpace (I am lunachik7) but no replies, only offers from loan sharks and some weirdo in Nigeria. Something tells me he does not have my best interests at heart.

I am doing all I can do, letting people close to me know my situation, writing letters, calling Wells Fargo every day begging for some kind of payment plan. To further answer my boyfriend's question, I feel that I can only do what I can do, and at the end of the day, it has to be good enough. So this is how I make it day to day, doing what I can and thinking about any options I might have missed... I hand everything else over to God.

So... Last Friday, January 4th, I prayed. I let everything go. I told God I can't do anymore or try any harder than I already have. I asked Him to show me the way. I promised to keep my eyes open for opportunities, and promised not to dismiss them or ignore them, no matter how crazy they might seem. I slept good that night.

When I woke up, I remembered you. I was at your house, talking with your family, it was evening, we had just eaten. There was a fire going, I felt warm and safe. Then I remember seeing you standing on a hill watching the Oklahoma sunset, the dream began to fade away and you became this shadow on the hill, sky dark blue and orange streaks with the sun setting. I knew I had one more letter to write.

Please don't think I am crazy, far from it. I hope this letter reaches you. If you want to know if my story is real, you can check it online...

I hope to hear from you, one way or another. God Bless.

Sincerely,