2nd mortgage charge off

I asked for 1st and 2nd mortgage hardship program for 6 months from HFC, they kept telling me to update income and then they lost paperwork. We had loss of income from husbands job and mine. We couldn't make payments, they were to high. received pre foreclosure letter for both, then 1st mortgage said they will do hardship program if we send in payment by certain date. No commitment until we make 1st payment. They said they don't modify loan. they reduced our interest by 1% only. In the meantime the 2nd mortgage told us we can go on the plan but make regular payment first and they will put in for hardship after that. We had 2 weeks to make payment. I went to make payment and couldn't they said we charged off. I wasnt notified and how could they when they already told me we will be on hardship program. Now they switched me to someone who reclaims money owed. He said it was in charge off and I told him they said we can go in hardship and he told me too late now in charge off and can't get it back. I made plans to pay off a small amount each month without interest, but still on credit report and lien on home.Is there anything we can do to get it off charge off and get back on hardship program. They lied to us for so long , instead of helping us. We have program for 6 months on our 1st which started this month and if we keep up they wont foreclose. What can we do. spoke to HUd and Hope they do nothing for you. Don't know who to go to, no one at HFC will clear this up who can I talk to about this in New Jersey.