You Are Not Alone In This Mortgage Crisis

After a year of going through this process where CitiMortgage advised me to default on my mortgage, then took 9 months to complete my paperwork, while advising me to save my money and not make any payments until my loan modification went through, then denying my loan modification, I felt in the end like I had done something wrong.  Like it was my fault, like I somehow could have done something more to resolve it.  But after speaking to an attorney I realized I wasn't alone, this was happening to a lot of homeowners out there.  Blame it on the economy, blame it on the banks poor lending practices, whatever, I realized I have become a victim of what is occurring in today's screwed up economy.  Could have I kept paying my mortgage, yes of course, would have I if I hadn't been advised by my own lender not to, yes if I could have seen into the future to see what a mess this has become.  It's sad to say I put my trust in our bank system, trusting they knew what was best for me.  Maybe it was naive of me but I was a stick to the rules with a 780 credit score type of person.  That means my credit report stated I never in my life made a late payment.  Never until a year ago when I took the advice of my mortgage lender who promised me a lower interest rate and a monthly mortgage bill so much lower than what I currently had, it almost seemed too good to be true and was.  I'm so behind now I really don't know what more I can do, I now hope with the assistance of my attorney that I can fight the banks back to save my home.  I no longer will be victimized instead I will fight back to win my first little home I cherish so much!