I am in grave danger of losing my home of 18 years in NH. I was laid off right before Christmas. My mortgage was sold the end of October to an undesirable sub-prime lender. I was sent a letter by them stating that my first payment was due 1/1/2008. Now they are calling me (12/22) and claiming that the letter was in error and that I am now delinquent for both Nov. and Dec. I had a good payment history with my previous mortgage company, however, this new one appears to be shady, suspicious and they are very rude on the telephone.
I do have a copy of the letter they sent stating the first payment was due in my possession. They first claimed they didn't have a copy of it, but now claim that it was sent out in error and I should have known it wasn't true. It's insane. I really believe they are trying to take my home.
Anyway, I can probably borrow the money to keep up with the loan, even though it is interest only, very expensive and I really want to get rid of the house. I had it on the market all last year but the market is so depressed in this area.
I've read a lot about "short sales". I'm trying to investigate every avenue. I hate to go bankrupt because I have little to no debt besides the house. Everything else is paid off. My credit is probably not good enough to refinance in this market, but that's a moot point at this time because I'm laid off anyway.
Any advice?

