I am facing forclosure and despite paying for the last six months, BAC is unwilling to modify my loan.

I went through a divorce in 2007 and paid for two households. In 2008 I contacted countrywide (servicer at the time) and paid for three months, at which time they quit accepting my payments. In sep of last year I received a monthly statement from BAC and began paying the inflated amount for four months. I asked to be considered for the home affordable program. In january I was told the 1640.18 amount would no longer be accepted and must pay 1904.12 which I did. I was then told that I was not accepted into the program but DIL or short sale was considered. When I looked on BAC's site the document they have on file for my note is for 26000 not the 106000 (have my second as the note) do I have any recourse to either have them work with me or dispute the debt?