LBPS First Horizon Set me up for Failure Internet

I got behind 2 months on my mortgage because of surgery. I should have just stayed 2 months behind and let them keep adding late charges. I would not be in foreclosure if I had just stayed 2 months behind. Well, I called First Horizon asking if they could defer me 2 mortgages and make me current. How simple is that. Right,

That was last Oct. My mortgage paymts was 821 month. I told m to pay 790 in Nov and 790 in Dec and make sure I paid it on time . This would give them time to help me on a so call program per First Horizon. I received a letter at the end of Dec saying I did not qualify for that program and they would see if I qualified for another program they had. This time they told me to pay 410 a month for 6 months. I asked them if I could just pay the whole 821 and they said no it would jeopardize the program I was trying for. They told me I would have to pay only the 410 and nothing more. So I went strictly by those rules. Apil I got a letter saying that LBPS would be handling all payments and communication beginning in May. Well May was when I was suppose to come off the 410. I called LBPS and of course I had to fax all my life.s history again, I had already done this about 3 time with First Horizon. What do they do with all the things we fax them??? So I did just as they ask paid my regular paym for May and then again in June. calling at least every other day Wanting some kind of answer as to what they could do for me. By now, I am 2 months behind, plus late charges, plus the 8 months of partial payments that they ask me to pay, they added tthe other remaining to the late balance. For instance when they ask me to pay 410 and I did. now they are adding the other 410 to my late balance. Making me behind about 6500. In July I tried to make a payment and they wouldnt accept one. So I called again, mine you I called at least 2 or 3 times a week, just to try and get where they were at on the modification. Then around July 13, I got a certified letter from a lawyer in Atlanta, thiks was a trustee sale where my house was in forclosure and that it would be autioned off Aug 12. I paniced at this point. Called LBPS again and the guy that was doing my modification said good news you have been approved for a loan modification, your mortgage will go up 100 a month. Fine if I can keep my house. He said the docs would be printed and overnight to me. I would sign, have notarized and send my first payment, due Sept 1, for 925. I was so thrilled. I told him of the forclosure sale and he said we could postpone that until the docs got back to him along with my payment. Well I waited and called and waited and called. Where are my docs?? Answer was always , you are approved and nothing can go wrong now, the docs are being printed. I called everyother day looking for those docs. Finally July 30, no docs, no nothing. I called and this girl told me that because the docs didnt go out within 5 days due to some fault of their , I would have to be reapproved. What! Are you Kidding Me?

Now, meanwhile my sale in only 12 days away. She says I will email the invested and tell them to postpone the sale until you get reapproved. If I have been approved once, why would I have to be reappoved. Something is FISHY! Monday I called with no approval, Tuesday I called and this rep said in order to get this postpone I would have to pay the 7300 that I am behind or 25% of 7300 which is about 1700, or whatever amount I can pay . I asked her why would I have to pay to get my forclosure postpone, no one else said anything abouty this. She said because it was so close to my sale date. Well, goofy people , it wouldn have been close if you people had got on the ball and got my docs out within 5 days. I just threw out there, that I would pay 1000. She said if they approved this that it would postpone my sale for 30 or 45 days and they could get me approved within this time. Overnight I though about this and had already made my mind up not to give them any money. If they forclose then I would be out that money. Money that I would need to move when the time comes. So I called back today and this rep told me if I didnt pay the 1000 that I promise as good faith money I would for sure lose my house, it would go up for sale. She says she is pretty sure this will be approved, she looked over everything and all looks good. I am so torn. What do I do. If I give them the money , I caN stay in my house for another month and then what happens but if I dont give them the 1000 , it will go up for aution, Aug 12.