By: Shannon Hegy

CHICOPEE, Mass. (abc40) -- It all started in 2006, when Cheryl Provenzano's husband lost his job.  The bills started to pile up quickly.  With five children, even the groceries got hard to pay.

Cheryl says she called her mortgage company, Option One, looking to refinance.  She says they offered her what she thought was a good deal.  It would help pay the bills, but keep her interest rate and mortgage payments down. 

Cheryl says the company told her not to pay her September mortgage payment while the deal was going through, but when it came time to sign the papers Cheryl says she realized she was trapped.  The deal wasn't the one they agreed on.

"He told me the approval couldn't go forward another day and that I'd be really stuck because another mortgage company won't finance me because I missed a payment," she said.

Cheryl's attorney alleges her mortgage company promised something it never intended to follow through with.

"I think greed was at the core of it," said Attorney Richard Ravosa.  "I think Option One set the Provenzanos up to fail."

In spite of that, Cheryl signed the papers.  She says her interest rate and monthly payments doubled.  She had to file Chapter 13 bankruptcy just to keep her house. 

Now, she's fighting back.  She's filed a law suit against Option One for negligence, fraud and breach of contract.  Cheryl and her attorney are confident they'll emerge with a victory.

"You can fight the big guy in this country and still win," said Ravosa.

Ravosa believes Cheryl's testimony, as well as the fact that there was allegedly no notary present when the papers were signed, will help them win.  He says they're not looking to break the bank, just to re-negotiate Cheryl's payments so that she can afford them again.

Option One Mortgage Company was bought out by American Home Mortgage Servicing Inc. in 2008.  That company has yet to comment on the law suit.