Find an attorney quickly...WF are a bitch to work with and constantly loose everything.
I have WF mtg that is in "pre foreclosure". I have been in contact with collections many times, but they won't help or let me speak with the default dept. The "workout" sheets I've filled out haven't helped either. They said I didn't have enough money to make payment and they couldn''t help. The only offer has been to skip one pmt and repay that one along with the next 2, which is NO help. I was in an accident and can't work. My husband works all the ot he can get and my son cuts firewood and sells it to help out. We have sold everything we can sell and it's not enough. It is an FHA loan. Is that why they aren't helping? I don;t know what to do. This has ruined our credit, which wasn;t great to begin with, so getting a loan or refi is out of the question
What is the balance on the mortgage? Any equity? Is it underwater? That will help determine what course of action you should take. It ultimately looks liek you are going to have to get an attorney regardless though with the situation you are in.