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NO I HAVE NOT RECEIVE ANYTHING
Basically you refinanced your home to then give your daughter $20K. Apparently she made no payments on the loan and you only paid interest. Since she lives with you I will assume that she lost the house you helped her buy.
There really is not a lot you can do. My suggestion is that first you start charging your daughter rent, even if she has to pick up cans to pay it. I would then talk to the bank to see if you can agree on a repayment plan that will forestall the foreclosure process. They are within their rights to foreclose, and it sounds like you do not have much of a defense.
I wish I had a better answer, but that is the law as I see it.
I hope this helps.
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