this is MY home!

I do NOT want to file bankruptcy. I am working with a councelor @ HSBC Beneficial. However...my payment for my original loan was $1396...on hardship it was reduced to $853.50 with a temporary loan modification...I lost my job after 33 years of service...HSBC has many many collection people in many states..I have spoken to at least 40 of them. Each NOT knowing what the other is doing! Everyone of them tells me something different, except the one lady I have been trying to work with in Elmhurst. It is very frustrating. I am 66 year old woman, without a job, after 33 years of service. Up until this time, I ALWAYS paid MORE on my mortgage each month and was NEVER late. They closed the Branch office here in Michigan...other locations talk foreclosure. I am so very frustrated. How can a mortgage company get away with all of this stuff? I am current on EVERYTHING except HSBC/Beneficial. No need to go bankrupt. Just need a house payment I can afford to make. My home is NOT WORTH the amount of money I owe. I am upside down...but, this is MY home!