We bought our home 3 years ago thru Amertrust before the ink had dried they sold the note to HSBC we had a 2 year arm my wife had a job making 30000 a year I'm on SS dis. They had a restructure at my wifes job and they wanted her to take a 40% paycut. She left that job because it was unfair. the way they did her. I make 1100.00 a month and she earns around 1000.00 at home. At the end of 2 years we asked HSBC to give us an extension on our arm which they did . We have never been late on a payment for 36 months. We asked for another ext. and tried to get them to work with us to refinance. I can't use the words that I would like to describe how we feel about them but we are going to be forced to let them foreclose.