I want to save my home!

My house was an adjustable loan. I became disabled and missed a few payments. The creditor (Residential Credit Solutions) never gave me a loan modification; however, they gave a modification that I couldn't afford when I returned to work. 2% for 3 years which totaled a payment of $1600 (I only take home $1700 per month) 4% for 2 years for a payment of $1900 per month and final payments would be at 5% for the remainder of the loan which is a payment of $2000 per month. They also added the $11,000 to the balance of my loan which is now $333,000. My house is only worth $240,000 and I've lived here for 14 years and I never thought I would have to leave my community. They are going to sell my house in a foreclosure sale on 02/28/2012 no matter what. They wanted me to sign a settlement agreement that stated that I can never sue them for anything ever again. This is not right! This behavior by Wall Street Lenders must stop. This robo-signing must stop. MERS must stop selling peoples' homes! Lenders should be accountable for fraud!