So sorry that they've done this to you, Connie.  I hate the banks.  The one that holds my mortgage actually told me that they may consider letting me sign over my house to them (like it was some great favor that they would be doing by giving them my house!) -- I'm not even behind on the payments and they want me to sign a deed in lieu of foreclosure because in their opinion I can no longer afford the loan they were quite happy to give me in 2004.

Sorry for the rant, but whenever I read about banks doing this it just makes my blood boil.