I lost my father five days after I signed for a home last April. Since our landlord passed and we had to move from the home we lived at for over 20 years. The pressure to find something fast overtook me. My dad made a choice not to pay one time on the life insurance and lost it. So I had to take my first mortgage payment to cremate him because we had no other option. I got behind so I did some research and sought help through BG Solutions. They told me not to pay on anything while they were working on my case. So from November 2025 to yesterday I have been holding my breath and praying for a miracle. Due to this I went from being behind by $7,000 to $23,000 as of May 2026. I got the news last night that the FHA denied to at least bring me positive with my hardship. My mortgage company was willing to work with me and bring me positive. When originally I was told that they could possibly bring my monthl paymen of $1967.47 down to possibly $1400. I was told chapter 13 was my only option by this company to stop the foreclosure. However that would add $500 to my monthly payment for the next 5 years to pay what I am behind, not including over $3000 in legal fees to file the bankruptcy. I have been working 3 jobs trying to make ends meet and am simply asking for a help up not a hand out. My family depends on me and we have been homeless before and had to stay on families couches etc. However we have no family to help us now. We found out months later from a cousin that my aunt made a gofundme page for my dad and took all the money.  Our cousin asked why we cremated my dad when there was more than enough money to have a nice funeral and service for him. This is embarrassing for me to ask but I do not know what else to do, any help would be greatly appreciated.