HSBC Mortgage Complaint

HSBC Mortgage department,

Conventional fixed mortgage Loan modification,collection,foreclosure California

Unfortunately I am upside down on my home by $100000.00. I just received a Mortgage Statement showing $200000.00 due by - -, 2015. I am self-employed and my business/income has dropped considerably. I contacted Keep your home California '' which stated that I qualified for a Principal Reduction however the company that is carrying my note, HSBC, will not allow me to participate. I asked if I could at least get help with their other program that helps with relocation and moving expenses. I was again told that HSBC would not give permission for me to receive help there either. This is wrong! I originally had my loan with -, which I was told went bankrupt which left me stuck with HSBC handling the loan. Keep Your Home '' stated - was n't even on their list, but my notices show - for payoffs.The only programs they will allow is to catch my payments up then I 'm stuck with the same payment which put me into this trouble to begin with, along with I have to pay those payments on time, ca n't sell or refinance for 5 years. If I default with this program for any reason, then I owe all of that money on top of the original amount. I really need a program which can lower my loan payments permanently, not keep adding to my problems .Without any help, at my age, I can potentially end up in the streets. If there is any way of helping, please. I would be eternally grateful.