Sounds like a messy situation. To get the process changed, you'll likely need to get with the political decision makers and try to influence things.
Evan A. Nielsen is licensed to practice law in California and handles federal tax matters throughout the U.S. The information provided here is for educational purposes only and is not intended as legal advice for a particular matter. This response does not create any attorney-client relationship with the author. For specific advice about your particular situation, please consult an attorney.
Have you looked into the Homeowners' Emergency Mortgage Assistance Program? I have the link copied and pasted below. Maybe someone there can help you.
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