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Home loan modification?

I can't make my current house payment as Beneficial Finance had promised a lower interest rate if I made my payments on time for the 1st 6 mos of my loan. Current rate is 12% and the promise was to cut it to 7.5%. This came from the salesmen and office manager. I originally didn't want to deal with them but they pressured claiming my current ARM with Chase was going to hit 15% in the next 6 mos. I turned them down at first then they hit me with they worked so hard to get this special program for me and it had already cost them several hundred dollars. They then promised the 7.5% rate after the 1st 6 mos. When it came time for that they said, they never said any such thing. I don't have it in writing. I can't afford this payment. I am retired and on a fixed income. Help! Hind site is 20/20. I need comments on what to do next to save my house!

Public Comments

1. As EVERY attorney will tell you, if it is not in writing, it NEVER happened. Also note: your FIRST clue they were LYING should have been when they told you your loan with someone else would do ANYTHING. They CAN'T know that without reading the contract which they should NEVER have access to.