Reaffirmation

my husband and i were forced to file bankruptcy due to business failure, we decided to keep our home and did a reaffirmation with the mortgage company, approved on january 28, 2010. our first payment was due one month later. on february 4, 2010 the mortgage company filed a foreclosure, although our payment wasn't due, we were never served, i obtained this information from the county courthouse. we made our payments as required. my husband lost his job on march 1, 2010 and we were unable to make the payments, i asked the mortgage company if we could lower our payment until my husband found a job, they said "no". then in august 2010, we pulled our credit report. it stated we were in foreclosure, we again were never served, and the county courthouse has no documentation that we were in foreclosure. our bankruptcy was discharged on april 15, 2010. april is the first month they show us being in foreclosure on our credit report. our lender is hsbc. since we are showing a foreclosure on our credit report and now 180 late we cannot get any lender to look at us, i was told that hsbc has reamed us. hsbc told us if we make double payments for 3 months they would refinance, however they are not honoring their agreement, and our past due just continues to increase.we have asked them for help to temporarily lower our payment and they just keep telling us no. we are not eligible for modification because my husband makes to much money..can you advise or help.anything would be appreciated and much better than what we are getting from hsbc