Forbearance from Wells Fargo

i am joining this group because my situation is very similar to some of those listed above. in 2009 i lost my job and in the fall of the same year i started to run behind with my mortgage payment. the following spring wf offered a 6 month forbearance plan and i accepted it. at the time when the forbearance plan ended i paid lower mortgage for about 14 months by then. i called wf for a loan modification plan and i was told those plans are available only in the first 12 months and i am out of time. right now my house is on short sale and i blame wf for this for not giving me the information in time for refinance or hamp or other helpful program. unfortunately, my house is located in georgia , where the rich and powerful people make the law and unemployed and poor have not much to say. i wish, some attorneys would consider a class action against the mortgage servicer dealing with forbearance and not helping the home owners.