Refinance Index Soars 203%; Purchase Index Rose 38%

2 years ago I got this ADJUSTABLE INTEREST RATES from a broker who gave me a 8.5 - on a stated sub prime deal (I found out afterwards that the man falsified the application, blew the appraisal out of proportion and lied to Countrywide about my income (I wroked for him as a telemarketer- He finished filling out the application without my knowledge and understanding) and stuck me into a 8.5% - $375,000.00 REFINANCING - AND TOLD ME TO COME BACK NEXT YEAR AT THE SAME TIME, he would reduce, modify (as if automatically) my rates to a 5.25 % IT WAS MY FIRST TIME EVER REFINANCING AND I WAS NEW AT THIS- HAD ABSOLUTELY NO ONE ON MY SIDE- EVEN MY OWN LAWYER WAS ON THEIR SIDE- couldnt have realized it back then, though- today this very broker is bankrupt - though he knew it verywell back then on August of 2006 when he did my refinancing- and he is no where to be found- Im stuck in this ADJUSTABLE MORTAGE RATE PAYING 95% OF MY INCOME TOWARDS A MONTHLY MORTGAGE- THE LAW SAYS IT SHOULD BE 38% OF YOUR INCOME- THIS MAN KNEW IT - COUNTRYWIDE KNEW IT - the only rreason why I agreed is because he told me to comeback at the same time next year he would "refinance me" again to reduce my rates to a 5.25 % - as if it would have been automatic- IT WAS MY FIRST TIME REFINANCING- I HAD ABSOLUTELY NO IDEA THAT THIS MAN (My boss, i worked for him) was taking me for a ride and lying to me with the approval of COUNTRYWIDE- TODAY IM STUCK WITH A MORTGAGE OF 95% OF MY MONTHLY INCOME AND IM SUFFOCATIING, STRUGGLING TO SURVIVE AND DENYING MYSELF OF THE BASIC NECESSITIES OF LIFE SUCH AS ENOUGH FOOD, NO GAS FOR MY CAR AND HAVING TO STAY HOME BECAUSE I DONT HAVE A DIME TO MYSELF AFTER PUTTING THE MORTGAGE MONEY TOGETHER - I BELIEVE THIS BROKER SHOULD BE FINED FOR THE LIES HE PUT ON MY APPLICATION WITHOUT MY KNOWLEDGE, I BELIEVE HE LIED TO ME INTENTIONALLY, TOGETHER WITH THE ASSISTANCE OF COUNTRYWIDE WHO BACKED HIM AND NEVER ASKED FOR A SINGLE PROOF OF MY INCOME- AS A TELEMARKETER I SHOULD HAVE NEVER HAVE QUALIFIED FOR A $375,000.00 LOAN AT 8.5% INTEREST RATES WITH $3,500.00 MONTHLY PAYMENT WHEN MY MONTHLY INCOME IS NOT EVEN NEAR TO THAT AMOUNT