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    Posts: 1982
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And here is the link to the Financial Empowerment Centers.  http://www.nyc.gov/html/ofe/html/find/find.shtml 

Also, if you are in the 5 boros, call Bill De Blasio's office.  http://pubadvocate.nyc.gov/

Also, the Attorney General's office. 
From this website:

If your loan servicer is one of the 5 institutions listed below, you might be eligible for a loan modification or refinance under the national mortgage settlement (link to settlement release). Contact your servicer to see if you are eligible:
•Ally/GMAC: 800-766-4622
•Bank of America: 877-488-7814 (Available M-F 7am - 9pm CST and Saturdays 8am CST - 5pm CST)
•Citi: 866-272-4749
•JPMorgan Chase: 866-372-6901
•Wells Fargo: 800-288-3212 (Available M-F 7 am to 7 pm CST)

Don't despair.  This is not going to be easy.  But I don't think that the fate you fear is inevitable. 

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