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I am sorry to hear of your situation. Sadly it is one we hear many times a day. Had you remained in your house and not left and done any quick sales or foreclosure, you likely could have fought with Wells Fargo to work out some modification, but without meeting the proper income levels modifications are actually rare, despite what the government tries to tell you on the news, because there are no laws mandating the bank modify your loan.
Once you have taken the actions you have taken and filed your bankruptcy, I am afraid that the bankruptcy remains on your credit for 7 years and there are no real programs for curing that right now. Fortunately, roughly 4-5 years after a bankruptcy, your credit begins the rebuilding process, so you are approaching that point where your credit will be starting to rebuild.
Sadly, mortgages for those with bad credit right now are scarce because the banks are simply refusing to issue many mortgages even to those with decent credit. Because of your disability, you may qualify under one of the other HUD programs for special mortgages depending on the area of the country you decide to move, as these programs are based on states and even cities as to where they offer such assistance. See: HUD Disability Assistance
As far as the conduct of Wells Fargo in all of this, I am afraid they are not legally liable to you for suggesting the quick sale or not telling you that CA was a non-recourse state, meaning they could not sue you for the balance on the loan after foreclosure/quick sale. Also, as far as modifications, they are not bound by any law to give them and they are notorious for dragging people along, lying about not receiving documents and keeping them strung along until WF ultimately forecloses (you would be surprised at how many customers we hear the same exact story from as to how WF claims never to have received documents or keeps passing the customer from person to person without giving any answers). Also, once you did the quick sale I am afraid that really ended any potential right you had to sue them to seek to stop them from foreclosing by arguing their mortgage was improper or predatory or the several other consumer protection claims that might be made in these cases.
However, sadly, if you cannot qualify under one of the other HUD programs, I am afraid that right now there are no other assistance programs out there for the situation you are describing.
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