The above answers get to the bottom line: these services do not sound legitimate and are most likely scams. Let's consider why according to your...

Is there a way I can take care of this at home?

You should talk to an experienced attorney promptly about your problem. More details must be provided for an attorney to give you the specific...

Is it too late to address this with the Trustee or with the Clerk at the new hearing?

Your questions can best be answered if you talk directly with an experienced professional who can help you hone in on the essential issues and make...

Is it true that our only option is a Chapter 13 with me since my name Is still on the deed?

You have presented quite a few issues which indicates you need to spend time with an experienced professional who can help you identify both your...