I am sorry to hear that this happened to you.
It may have NOTHING to do with you though. If you live in a county that has a higher number of foreclosures then they can CLD you just for that alone. GEMB and AX both started to do that.
They can also CLD you for your type of mortgage if if is subprime. Again, many are doing that too.
They can CLD you if your line of work is NOT recession proof.
The list goes on and on. DO NOT take it personally.