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[downandout]

Hello, I'm looking for input on my current situation. I live in Michigan and recently had a Chapter 13 Bk dismissed for non-payment. (I stopped paying on my plan due to job change and my live-in boyfriend moved out so the money he was contributing to house hold I no longer had) 4 months prior to my Bk being dismissed I applied for a mortgage modification. The modification was in the process of being approved but my loan became 180 days past due and was transferred to the Recovery Department before the modifications final approval. The recovery department is now trying to settle with me for about 65% of the loan of $91,000. They want me to pay 10% and then workout a dollar amount to pay monthly until the 65% has been paid off. At which time they are telling me that they will release the lien on the property. The problem with this is that they will not put anything in writing. My question is has anyone else here gone through or heard of this process. I'm trying to stay in my home if possible. Any feedback is appreciated.

Thank you.