Help Home owners who are trying to save their homes even after the banks have foreclosed their property

Americans who were on unemployment and net pay was 50% less then their normal salaries have a hard time making their mortgage payments and living expenses. The banks foreclosed their property because their income levels had dropped should be allowed to keep their homes by asking the banks to reduce the payments temporarily or through modifications until they are back on their feet and can do through a permanent modification for their mortgage loans. The banks have promised to help, but have not helped anyone yet. I have sent them countless paperwork proving that my income loss was due to unemployment and then working at less than 50% of my normal salary. The banks got their $ to get back on their feet, why not the American people who are struggling every day??? who is going to help us?