i am a 60 year male,and on disability. i have defauted on my mortgage because the mortgage company would not help during a time of crisis.i was put on disability in june 2010, at that time i was having a hard time and cashed my wife's 401k to try to pay bills and mortgage. but we got to far behind and we moved to a rental property that was cheaper. the mortgage company charged off our mortgage. it's listed as charge -off/recovery. what is your expert advise for me on this matter, because the mortgage company would not modify our loan . and kept losing our paper work. we then tried to sell for a year. then we tried to short sale , but we could't get help on a short sale.