I was injured at my work in 2009, CW was my lender , I were unable to modify with them until i stopped paying mortgage and became delinquent. BAC could not locate my loan for months. I finally got a HAMP refi in 2011 @ 2%. But i have to pay back arrears and I have a jumbo loan with a payoff penalty of 59k. What if anything can i do about those arrears?