NOW WHAT ????

We owned a business and finally let our daughter have it because of the stress. My husband had already had 3 heart attacks, and I had a stroke. At the time of having our busines there no problem making our payments, matter-of-fact, we doubled up on them a lot of the times, But we are both disabled now, and our house payments are 1/2 of our income. We have been trying to get a refi with Chase ever since 2008. Finally this year, they gave us a refi. They cut our paymens less than $ 200.00. They had added $ 700.00 to our income. When we talked to them about it, we were told that the $ 700.00 was added as income to cover the amount of monies that other people had to pay because they worked, and that it would not be fair for them to pay more, and us not!!! Is this legal ?? Also when we were trying to refi, we have never missed a payment. After the refi, we have missed the second payment. We just can't afford the monies to pay. We are limited as to the monies that we have coming in now. We have utility bills, etc. Half the time, we don't even have the money lefy to buy groceries. I thought the Obama plan was to help people like us, not hurt!!! Thanks for listening