Suntrust is no help to stop foreclosure

In June of 2009 my then husband moved out. He was dealing with addictions that he could not maintain and I had been hurt enough to last a lifetime. At that point we were both still contributing to the marital property. That didn’t last very long; only until fall. He drug out the divorce until November of 2009 when, after a very disturbing event for me, I was finally able to harass him into signing papers. He agreed to pay $600 per month in spousal support for one year, or until the property sold. The house was placed on the market at the first of the year. At this point, I was already behind on a few things, but had caught up most of my bills. I paid for the majority of the divorce, plus a few other marital bills in my name, alone. No help! On December 14, 2009 I was in a car accident and totaled my vehicle. I had not had a car payment in three years, and my insurance was very low since I had this car for ten years. I was devastated and broke at this point. The accident was not my fault, and no one was seriously injured, but I was out of work for almost three weeks due to a sprained back and torn shoulder. My ex-husband offered no assistance during this time, and left me destitute and with no option but to be late on the mortgage payments. I began a new, better job on January 5th, but did not receive my first paycheck until January 31st, so I was already at this point, two months behind on everything. As of December 15, 2009 I have been in communication with SunTrust in an attempt to salvage delinquent payments on the property. As was communicated with my ex-husband in January and February, the mortgage payment for the property would be delinquent. The $600 for spousal support was used those two months for living expenses and utilities due at the property in light of my being without pay for six weeks. In mid March 2010 my Realtor and I had found a buyer for the home for short sale and were under contract when the payment was due for March. I barely had enough for a payment at that time and was advised to hold off on the payment until we found out if the buyers were going to close. My income tax refund that was supposed to go to catching up the mortgage, went to outstanding bills and late fees accrued during my absence of pay and the new car payment. The buyers backed out on the contract and I called SunTrust and explained the situation. At that point the payments were 90 days late and SunTrust would not accept a payment unless I had accumulated all three months. I attempted to do so and called again the first week of April 2010, I had accumulated two months worth (Jan and Feb), which would have made the payments at that time only two months behind. Scott Smith was laid off in March so I knew that the spousal support I had been receiving would be delayed and sporadic rather than receiving regular checks every two weeks to go toward the payments. I was receiving solid paychecks and would have had the other two payments in May, leaving me caught up. When I called in April (twice) I was informed that I could not make a payment until I received a “repayment plan package” in the mail from SunTrust. At that time, the representative told me that the property was not facing foreclosure and that I should receive the package in a matter of days to a week or so. I did not receive spousal support from my ex husband until the end of April. I did not receive the package by the first of May and called again attempting to make a payment and to see what the hold up was. I was again told that I could not make a payment but that the property was not in danger. I was laid off May 4 leaving me with no income other than the spousal support, which I was saving and not spending. By the second week of May I was receiving letters from an attorney stating that foreclosure had been initiated. My ex husband notified me of a letter that he received also. Since I called SunTrust and they advised me that foreclosure was not initiated, I told him that I was attempting to solve the problem with the payments, that SunTrust would not allow me to pay them, and that the money he sent for spousal support in March and April had gone into my savings account for the payments once I received the package. I continued receiving documents from the attorney and called SunTrust once again on May 25 to determine what I needed to do. They instructed me that foreclosure was initiated and they didn’t have an answer as to why I was told that it had not been. I got the run around from the representatives and was finally told that they could not reach a resolution due to my unemployment. I wanted to scream at them by this point. All the promises of repayment plans, modifications, etc. was all a joke! I was immediately angry and disappointed that I had been working with SunTrust for six months to reinstate my loan, and was told that they could not help me. The last week of May my ex husband text messaged that he would be mailing the check for May’s spousal support. I instructed him not to, since I had to get some things ironed out and email him the options available to him. I was also going to be out of state the last weekend in May, and did not want a check sitting in my mailbox. I have been in touch with my attorney since the end of May to help me find a solution to this problem with the property. I felt as though bankruptcy was my only option and was destitute enough to follow through with it. When I met with my attorney on June 2 2010, I was instructed that there may be other options. I was informed that there are a great many people facing this same issue and that Mortgage companies are not helping those who are in need. The Obama plan is failing in my opinion. At this point, I was instructed to call the attorney and notify them of my attorney’s intent to counsel me and represent me through this ordeal. I did so on June 3, 2010. They told me that I needed to fax a written authorization letter to them giving permission for my attorney to discuss my case. I followed every instruction and filled out every paper necessary for someone to help me. I have even tried lowering the asking price on the home IN HALF in order to try a short sale, but no one wants to do a short sale. Now I am facing foreclosure and have had to move in with my parents until the ordeal is worked out. I am unemployed, destitute, and angry that I received nothing but more hurt from SunTrust and their “hope” solutions. I have never found myself in such an ordeal. I am planning on attending law school, but now may not be able to since I may face bankruptcy due to the foreclosure on my home. My ex husband is three months behind in his spousal support and has made no effort to pay it. He has made no effort to help reinstate the loan, or to offer me any additional assistance. I don’t know what to do.