Countrywide Home Loans Workout loan to help me lower my payments and prevent foreclosure adds $20,000 to my original mortgage. Simi Valley California

In April of 2005 we purchased our home in Conroe Texas for approx $198,000. We had two mortgages, our first was for $166,000 and the second was approx, $29,000. Both mortgages were with New Century Mortgage in CA. In Oct of 2005 my loan was sold to Countrywide in Simi Valley, CA. Thre amount of the loan was approx. $165,000. After Hurricane Rita, being diagnosed with Cancer and a few other major setbacks in our family we missed sever payments in 2006. We asked for a hardship workout loan modification and not only did our mortgage go up over $20,000, but instead of our monthly payment going down to be more affordable to live each month it went up. Are they allowed to add $20,000 to your principal of your loan. I have a fixed 30 year morgage. I feel like I am being ripped off and would appreciate some help.

Thank you
Roberta
Conroe, Texas.

Disgruntledmortagee
The Woodlands, Texas
U.S.A.