We purchased a home in August of 2005, from another lender and before our first payment was made, we were sold to Countrywide Home loans at a rate other than the one discussed at closing. We began making payments to Countrywide home loans. We made our payments within a reasonable amount of time until we had some medical related problems. My wife is disabled and I am the only one working. The company that I am employed through does not provide employee benefits, therefore if I am sick and have to seek medical treatment or prescription medication, it has to come out of pocket. My wife was hospitalized a couple of times about 4 months ago, and then I had some complications from my diabetes. I had to pay for several doctor's visits and new medications. However, the whole time that I was falling behind, I was in constant contact with Countrywide. We tried several times to get a workout, but was denied. Then we were issued a Foreclosure notice, which needless to say, exasserbated the situation. We again tried for a workout. We had one mortgage payment ready to send but was instructed to hold onto that payment incase we were approved for a workout, because we would need a down payment on the workout. While waiting for an answer, we were falling another month behind because we were instructed to hold onto that payment until we had an answer. We were finally assigned to a negotiator. We tried numerous times to get in contact with her and were only greeted by her voice mail. Finally after a lengthy period of time we received a telephone call from her and we started the workout process. She asked if we had 2 mortgage payments in hand because if we were approved we would have to send the money western union in order to finalize the process. I informed her of the one payment that we had  and she said that would not be good enough. She said we had until the following Tuesday to have the money in hand to wire. This was on Thursday. So, on Friday we received another phone call from someone else demanding $1400.00 and when I explained that the earliest I could have the money would be the following day (Saturday) she said that she would have to give us a verbal decline, because we would have to have $1400 within 4 hours. I was shocked and appauled at the innacurate information and unprofessional treatment that we were getting. I contacted the attorney that is handling the foreclosure and they gave me a quote for the reinstatement amount. There again we were getting contradictory information. The figure that they stated was far less than what Countrywide stated, and most of it was legal fees. The law firm said that they did not know where Countrywide came up with their figure but that the law firm had the correct amount. We are only concerned with preventing a foreclosure from damaging our credit further and with meeting our obligation of the mortgage, but it seems that instead of helping us come to a reasonable resolution we are being met with road block after road block and far less that professional curtosy. We have the $1400 dollars but to be honest I am afraid to send anything because after having the problems that we have had, I have done a lot of research on the business practices of Countrywide home loans and I have read hundreds of complaints about how they steal from people and scam them. I am afraid that if we send the money we will still be denied and then we will be penniless, should we have to move. We plan on attending the foreclosure hearing to make sure that accurate information is provided, and that we have a fair opportunity to resolve this issue. I wanted to contact someone that could accurately access the issue, that is why I am contacting you. I do want other consumers to know how Countrywide operates and quite frankly the poor business practices they employ.