You need a competent foreclosure defense attorney IMMEDIATELY. Do not take the word of ANYONE at the ffices of the bank - clearly they don't know what they are talking about. I often find this - they give borrowers wrong advice all the time. They are not attorneys, and have no interest at all in what happens to you and your home.
Foreclosure defense is a very specialized area of law - it entails an extensive understanding of mortgage law, real estate law, consumer law and litigation, and often other things as well. Not all attorneys are able to naviigate through all the issues in order to analyze a case, and there are many possible variations.
I practice foreclosure defense in Florida. If our help is desired, our contact information is on our web site.
Be very careful - they are not kidding about that 20 days. Also, there are all sorts of scam artists now in Florida offering to "help" people in foreclosure. These are generally scams.