Uncooperative mortage Lender

[Mike]

I attempted to work with collections when I was having problems making my loan payment due to a very large auto expense. I called and asked for loss mitigation and was told i had them. Nothing was ever noted on my account and the rep lied - she was actually a collections rep. Now my account is in trouble and the asset rep refuses to consider a repayment plan. I can get current in 60-90 days however if i cant pay all at once they are threatening foreclosure. I keep explaining that i asked for loss mitigation and the no one believes me. Just need a little time to recoup from the huge auto expense. Why would they not consider a repayment plan-? We are talking about 2K here.