Banco Popular de Puerto Rico Mortgage Complaint

Banco Popular de Puerto Rico Mortgage department,

Conventional fixed mortgage Loan modification,collection,foreclosure Puerto Rico

I recently filed a complaint against Banco Popular de Puerto Rico regarding a mortgage modification ( - ). I received a letter from them stating that I should call the lost mitigation department in order to discuss my alternatives. I called today, - -, in order to submit the evidence of my income and expenses. When the person on the phone made the evaluation of my case, she stated that since the deficit between my income and expenses was for $700.00 the only alternative they could give me was to stop paying my mortgage for 3 months while my situation changes, and that I need to cut my expenses or make more money. Seriously, in what world are they living????? Is not like I can stop paying the electricity or the water services, or the student loans or anything. And is this ai n't bad enough, after the 3 months I should pay the three months that I have n't, at once, and continue with the monthly payments as they are. She said that the could have offer me a different option if the deficit between income and expenses was n't so big. I will like to know if this is even legal. I want to make a modification of my mortgage to be able to pay every month. They say I ca n't refinance because the property cost a lot less than when I bought it, and that I can make a modification with them because I wo n't be able to pay it. The only option they are giving me is to loose my apartment because they rather get no money instead of giving me a real option.