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Dispatches From The Displaced: Inability to Negotiate with Bank Leaves Homeowner $11,000 Behind Payment

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As 10,000 homes are foreclosed upon each weekday, the stories of the people affected often fall through the cracks. Dispatches from the displaced tells stories like the Kanowski's, who wrote that they were thrown into foreclosure as a result of their mortgage company's instructions, to shed some light on the people involved in the nation's housing crisis.

Today's piece comes from Jitendra Kumar, of Hayward, California. He writes that even though he attempted to communicate his money troubles to his bank, the bank's response sent him $11,000 behind payment.

I own a home in the East Bay and was having some financial issues starting November, 2008. I had a feeling I will not be able to make my full mortgage payment. I called Wachovia and explained my situation and offered to send in partial payments for a month or two until my situation improved.

My offer of partial payment was refused. I was also informed that the bank cannot help someone who will be behind in payment, but can help once I am behind! In December, I was behind in payment and called them again. This time I was told that since I was behind on the payment, they cannot do anything until I paid the delinquent amount.

If they had accepted by partial payment earlier, I would have been abut $1500 behind. Since they did not, I was now two payments behind which totaled around $5000.

I called them again in the first week of January 2009 and asked them if they could add the delinquent amount to the loan. Since my situation had improved, I could start making fresh payments thereon.

They asked to write a hardship letter explaining why I was behind in the first place and stating that the situation has not improved. I did that promptly and waited a week. I called them again in the 2nd week of January and was told the process to assess a hardship letter takes 15 days and I was to call again later.

In February I received a letter dated Jan. 20th that my mortgage has been approved for a foreclosure due to the delinquency. I called this week and was told that there is no record of any correspondence from me. No hardship letter or any other communications were on record. Of course, it did show that they have been trying to collect the payments over three month period. Now I owe over $11,000!!

I have had all intentions of making the payments as I do not want to lose my house. However, I do not feel Wachovia had any intentions of assisting me in any way even though my request for assistance during a temporary hardship.

I still want to make the payment. However, I do not have over $11000. Where did my bailout money go? How do I get bailed out?

Are you facing foreclosure, or have you already lost your home? Share a story of how the housing crisis has affected you by emailing .

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Find out more about Dispatches from the Displaced, HuffPost's Eyes&Ears series of reader-submitted foreclosure stories.