This is a very long story that I will try to make very short:
Got married. Bought home together in Virginia. Got divorced. Moved out. Ex agreed in Divorce Decree to refinance ASAP or sell if possible (ha). I then signed quit claim deed. She then applied and was approved for modification. The modification was CANCELLED at the very last step which according to the bank was "at her request". In reality, the mod was cancelled because my (co-borrower) signature was not on the final document. While it would make sense that I would have to sign, we were told MULTIPLE times by the bank that it was not necessary because of the DD and the QC. I would have just signed but I live far away. The outcome of the mod being cancelled was that when she went to make the new payment (prior to being notified of cancellation) it was kicked back. She called and they told her what happened. She then attempted to simply resume making the original payments but those too were being kicked back. NOW BofA is "researching" whether or not x2 signatures were required on the mod and they'd get back to me. Needless to say my credit is destroyed and I am desperate for advice. I was told IF they determine that x2 sigs weren't req'd that BoA would fix my credit. If not, then...soup kitchen...i dunno. Any help you could offer is greatly appreciated.