I'm sorry the VA social worker blew you off. The sequester is probably hitting them hard, and they may be understaffed. And you will find that problem with any office getting federal money at the moment. But an understaffed office might forget to return a phone call, but that doesn't mean you should give up. Call back. Again and again. Dammit, you are a vet, and they should be working to protect you.
But pursue other resources as well.
Here is a link to a national hotline. http://www.hopenow.com/
They might be facing the same sequester issues, but it is certainly worth a call.
State funded offices and programs are not necessarily facing sequester problems because they rely on different funding streams.
Try the State Attorney General's office link that I offered before. http://www.ag.ny.gov/consumer-frauds/help-homeowners
This is a really useful page, with a wealth of information. I learned quite a bit just looking at it, including:•Never pay an up-front fee for mortgage-related services. It is a violation of New York law to charge upfront fees for such services, and violations should be reported to the Attorney General’s office at 1-800-771-7755.
Here is some information on not for profit agencies that provide foreclosure assistance in Duchess County.http://www.nysmortgagesettlement.com/housingcounselors#Dutchess
Also, apparently Law Help provides foreclosure assistance. www.lawhelp.org/ny/
No. Prayer is not going to help your situation. But the public and even our elected officials and bureaucratic agencies have lost patience with the foreclosure crisis. You are fortunate to be on the back end of the crisis, because there are agencies that are set up to provide assistance to families that did not exist at the beginning of the crisis.
The banks got bailout money. Billions and billions of dollars, some of it from your own tax dollars, to help them survive. Now it is your turn to seek assistance.