My CW/BoA journey thus far

[Discouragedone]

Our journey isn’t much different then the prior entries I have read here. Definitely am not breaking any new ground. It’s just a little different scenerio. No question to ask, this is just forwarding my situation.

Oh golly, where to start, hmm. Well it started back in Feb ’07 by trusting people in the “business” and paid them to advise in my best interest. I failed there and that pretty much started this whole mess. The second start came in Sept. ’08 with my first contact with Countrywide. Budget cuts at work significantly reduced my income and expenses for living increases I started dipping more and more into my savings to cover the mortgage payment. Unfortunately, most conversations with Countrywide ended the similar way, “You don’t qualify for any programs right now but we have a new one coming soon and you must be current with your payments to qualify” There was a shred of hope so another mortgage payment was made.

There were many, many phone calls made to Countrywide and later BoA all ending in disappointment. (Insert the reoccurring, “please fax/refax us this “ ”) One conversation ended quite chilling, frustrated I asked a Rep if BoA would rather foreclose than work with me, the gentleman said “Yes”. By May ’09 my savings about tapped, I contacted an attorney to discuss options. In the consultation, it was mentioned that BoA isn’t going to help me because I am current. For some off the record advice the attorney said to get any help I would have to go to the dark side.

He never said to stop paying but implied it heavily. No mortgage payment was sent for May ‘09, I didn’t have the funds for a full payment anyways. On June 2nd, fed ex dropped by the house with an envelope. The envelope contained a single piece of paper, Notice of Intent to Accelerate. Quite alarmed initially until I found out it was automatically generated and considered just a formality.

However, things changed in late July, I received another fed ex package from BoA, and this one was a little thicker than the previously sent. Slightly shaken, I opened it to find a letter and other documentation stating I had qualified for MHA program. I consulted with another attorney to discuss some more options. This is where the idea of bankruptcy first came into any conversation.

I didn’t like the idea nor did I want anything to do with a bankruptcy. I then filled out associated documentation for the MHA program and sent it back. The “trial” payments started in August and ended in October without missing a payment my trial was over. In the meantime, I did finally warm up to the idea of bankruptcy to get out from under a lot of other debt. Filing would come after the MHA paperwork was finalized.

Then in late Novemeber I received yet another fed ex package, thinking it was final papers to sign, it wasn’t. It was the new Step Rate Mod prompting a phone call to BoA and they confirmed it was an actual offer. Off to my attorney I go. We agreed, the step rate was a sweet offer and jumped on it, sent all the paperwork back and also sent the newer payment before the stated date of Dec 14th, oddly enough both were sent to two different addresses. The rest of December rolled by without hearing a word from BoA, January rolled by too.

New payments were sent for both months. Along comes Feb ’10, still no word so I contacted BoA to find out the status. Low and behold, they had no record of any new program nor ever receiving any documentation from me back in Nov. After many other phone calls over the next few days, I finally got a friendly voice (non pre scripted dialog). This woman was able to find “in the system” that BoA had sent a fed ex package in the timeframe I had referred to but what was in the package was unknown to her.

Following a little more research, she could see a fed ex was received from me in the timeframe I referred too and its content was unknown also. More research was conducted, turned out the Step Mod wasn’t suppose to be sent in the first place and all record of it had disappeared, it was sent by “mistake”. When I asked, “How will this affect the MHA program, since I missed three payments?” The individuals replay was “It shouldn’t affect it”. Now that sure gave me a warm and fuzzy feeling, “It shouldn’t?” Forward this a bit, since last contact with BoA I have received two letters of denial due to failing to make my “trial” payments.

Both prompting calls to BoA where the Reps could clearly see all trial payments were made and on time. Their only concern was with the original three payments, Aug-Oct. Both time the Reps said they would make note of this and resubmit for appeal. Here is where I sit, limbo. I can see at anytime I will be getting the fated Notice of Foreclosure… Oh yeah, bankruptcy is still pending. Hindsight, I have learned a lot over the last few years. One, I most definitely shouldn’t have been approved for this loan nor should it have even been placed in front of me to sign.

Two, I shouldn’t have agreed with the terms. Too many things changed when I went for the signing but felt I was too far into it. Plus my prior house was already sold. I talked to my attorney about going after the loan originators, broker, underwriter, title company, even my realtor and just about anyone that was involved. He said could pursue predatory lending but it could set me back $50k+. In all this, it’s still the home owner that is hung out to dry. I had to verify (several times) why I couldn’t keep up with the payments, why don’t banks have to verify why the loans were given in the first place. Answer, they don’t have to.

My rant here is now over, moving box saving continues…
Soap box is available to anyone else.

[Maurice Bedard]

Thanks for sharing your story with a community! Even though you do not have any questions, your words, or should I say rant, lol, will help others to read it. Many people feel frustrated just like you.

The reality of the situation is that millions of homeowners never should've been put in the mortgages that they're currently in. However, there were no laws at the time and the laws that are been implemented now are a little too little and too late.

Most mortgage brokers and real estate brokers are motivated by commissions. Not by helping people. Anybody who sells you something, be on high alert and understand that they may not have your best interests at heart. In fact there's probably a 99% chance that going to put the money they make off of you before giving you safe advice

We live and we learn. Hopefully we become wiser from our mistakes.

Best of luck to you in life!

[Discouragedone]

Thanks Moe. I have lived and learned. In my rant, there hasn't been any complete resolution so I guess, it was to show there is a pattern to their madness.

Now I'm off to learn the Do It Yourself Appendectomy, just in cast that flares up. I won't have to rely on anyone in the "business". hahaha......

Edit to add P.S. Moe, your conversation with Mr. Satan was classic!!! Perfect!!

[Maurice Bedard]

haha, thanks. I just did that out of the lunacy of applying for a loan modification. I do think if there is such an evil man as Mr. Satan, he would be in charge of loan mods. It is utter madness I tell ya!!

Peace to you and yours

[HeavySigh]

When you get the motion to foreclose and have a court date, file for bankruptcy. Then once you have no more debts, reapply. Then appeal. Then reapply, then when they foreclose move out. The bet way to recoop money is not to pay while dragging out the foreclosure process. You might be able to get 8-18 months out of it. Good luck to you.

BTW, you are a good writer.

[Discouragedone]

Hey there HeavySigh,

Thank you for the tip and the writing comment. The bankruptcy thing is all hinging on us finalizing or foreclosing, 13 if we work out a deal, 7 if we don't. Stalling makes great sense, my credit is already hammered so why not, hahaha.

[Discouragedone]

Oh my, this is getting quite comical... (Update)

Called BoA this morning to get an account status, despite what I said during the message system my call was directed the collections department, hmmm. After explaining to that rep what department I was trying to reach, she did promptly transfer me and gave a new contact number for the Home Retention folks. From their, I was told that my account was being handled by the advocacy group (?) and once again I was transferred (successfully) and received another contact number for the group. This new individual proceeded to tell me that my appeal was denied due to failing to make all our trial payments, note our completion of all the trial payments were verified by two prior reps and was supposed to be noted on our account. I asked them to review my account and tell me what payments were not made. Their response was they don’t know, “it” just says why we were denied. However there was yet another entity I could talk to and the transfer commenced with another new phone number. This was the MHA denial department. Now this individual had information (NOT) but it was useless information. Turns out my appeal was invalid, invalid? I asked what invalid meant and the reply was, “it’s just invalid”. “What made it invalid?” I asked. “I don’t know”, she said. Then I asked, “Since it is invalid, how do I go about fixing invalid?” “I don’t know” is pretty much all I got as an answer. She did say she would elevate this to her supervisor though and should be contacted within 48 hours. We’ll see what happens now.

[Discouragedone]

An Update.


I never did hear from that BoA supervisor (Sandra something, I don’t have my notes in front of me) that I was supposed to be elevated too, like I didn't see that coming. Not only was BoA not able to clarify what “invalid” meant, then that Sandra didn’t call me, I also got an interesting mortgage statement in the mail. My mortgage payment has been returned to the original amount and in addition to that they added an almost $17k Past Due balance. Yep, I’m seeing a foreclosure notice in my future, lol. Yeah, I joke now but I have had time to find the humor in all this.

Sitting here in complete frustration and just needing another vent session. I decided to email a version of all of the above mentioned timeline to just about everyone I could think of. State, County, City officials, every email I could find for BoA, I even sent a few to Fannie May since they have an interest in my house. About the only person I didn’t send it to was the manager of the Public Works Dept… We all know my story is a carbon copy of a lot of stories out there, it’s just a different name at the top of the account. I thought I could be one more person to inform. There is a pattern here, folks.

Anyway, yesterday I got a surprising phone call. A Rep from Fannie May called me to get the skinny on what has happened. They admitted they hadn’t read the email but they were asked to call me by someone that did read it. We talked for quite a while and I brought her up to speed, well up to date as best I could. She looked over our account and noticed that BoA did file a Notice of Default, which I haven't seen, so it’s probably in the mail. She said she would expedite this to BoA and I would probably hear from BoA somewhere between 7 to 10 days (hahaha). However, I would also hear from her within the next four days for an update. Within two hours my phone rang, it was a Rep from BoA. This fella was a fluent English speaker, not the normal dialect for BoA and it was nice to hear English again… This guy had some answers as to why we were denied and ultimately made “invalid”. Our account shows we missed the trial payments for December and January. Wait a minute, December and January? You know those months kind of stand out in my mind, weren’t those the same months we were waiting for final paperwork for the new Step Rate Mod, well by golly it was… Upon him finishing explaining why we were denied, I proceeded to bring him up to speed (details and dates) concerning the Step rate mod we were offered and that the payments were made and on time. His immediate reply was, “Umm, I’ll have to get back to you”. Yep, that was his exact quote, lol. I really thought that would be the last time I would ever talk to him again, haha. But no, he called back a few hours later. In the time we didn’t talk, he contacted his other peeps to inquire about what we had talked about. I do believe he ended up talking to Mr. Satan (thanks Moe!!). He was able to find that I was denied the Step Rate Mod because (you guessed it) they didn’t get the documents I sent back to them. When he said that, my response was, “Of course they didn't. They say that to everyone about everything, why wouldn’t they tell you the same thing”. He requested to them to redraw the Step Rate Mod documents and sent them out.


HOWEVER!!!!!! We have worked hard and long to turn this house into a home. In the last two years Countrywide/BoA have done their damnedest to turn our home back into a house. They have done just that, our home is simply a house now. I cannot trust anything that BoA does or says, verbal or written doesn’t matter and their credibility is shot to hell. “Get it in writing”, NOT, they’ll just “lose” it.

[cosm10]

Exact same story we have and took 1.3 years to get no resolution.
They have no idea what they are talking about nor will listen to what you have to say and if they do they start all over again with the same thing every time they call or you call. It is a waste of time. We end up writing an email to the Office of the President for Home Loans Barbara and got a phone call back the next day. It took about 3 months to modify only our second loan that dropped our monthly mortgage with $100. Again a waste of time. Buat at least we've got some kind of attention from more qualified people.
Numbers that I have: Teresa (from the office of the President), phone 805.577.3580
Fax: 800.658.9364
Good luck!

[Discouragedone]

Cosm10, thanks for sharing that. I do believe I sealed my fate the other day. I received a phone call from a Vincent fella who said he was a member of an advocacy group working directly for the "president". Not sure what "president" he was refering to. Even know I have no idea how he was able to contact me via the phone, in my emails I send out (like a bonehead) I forgot to include a few minor details, account number, address or my phone number. Sure enough he found me though. During that call, he asked a foolish question, "What are your thoughts". Oh, this question opened a can of worms, haha. I said, "My thoughts, hmm. Well, BoA can no longer be trusted. I can not believe anything they say or anything they do. They say one thing and then do another. They say they are going to do something and they do not. I(!) can not trust BoA." I do believe my fate has been sealed and I am fully prepared for it. As with most BoA people I have talked to they seemed to take an interest in what has happened but nothing ever comes about.

If things change, I'll be reposting updates.

[Discouragedone]

Update:

This could quite possibly be the last.

Following the last email blast to everyone I could think of, the email drew quite a bit of attention. I received several phone calls and emails in response. I ended up with two negotiators and one advocacy group fella. None of which could make heads or tails of just has gone on over the last year or so. Well, they wiped the slate clean and started from scratch. One negotiator came back with a step rate mod but knowing there was another negotiator working on it, I told them I would get back to them. Finally the other negotiator contacted me with another mod. After trying to work things out for two years, they were willing to drop my interest rate down to 4.5% for the length of the loan. That would drop my payments down (are you sitting down?) a whooping $75 a month. I know, I couldn't hardly believe it myself, quite generous. So now I have two problems, one is a mortgage payment I can't afford and the other is a house I'm paying $400k for and it's value now is around $172k (neighborhood comps). Off to see my attorney again...

P.S. The above is my point completely, two different people, two different offers and neither knew anything about the other. That tricked me up in the past but I'm not falling for it again!!

Take care all,
We'll see you on the other side.

[helen]

An Update.


I never did hear from that BoA supervisor (Sandra something, I don’t have my notes in front of me) that I was supposed to be elevated too, like I didn't see that coming. Not only was BoA not able to clarify what “invalid” meant, then that Sandra didn’t call me, I also got an interesting mortgage statement in the mail. My mortgage payment has been returned to the original amount and in addition to that they added an almost $17k Past Due balance. Yep, I’m seeing a foreclosure notice in my future, lol. Yeah, I joke now but I have had time to find the humor in all this.

Sitting here in complete frustration and just needing another vent session. I decided to email a version of all of the above mentioned timeline to just about everyone I could think of. State, County, City officials, every email I could find for BoA, I even sent a few to Fannie May since they have an interest in my house. About the only person I didn’t send it to was the manager of the Public Works Dept… We all know my story is a carbon copy of a lot of stories out there, it’s just a different name at the top of the account. I thought I could be one more person to inform. There is a pattern here, folks.

Anyway, yesterday I got a surprising phone call. A Rep from Fannie May called me to get the skinny on what has happened. They admitted they hadn’t read the email but they were asked to call me by someone that did read it. We talked for quite a while and I brought her up to speed, well up to date as best I could. She looked over our account and noticed that BoA did file a Notice of Default, which I haven't seen, so it’s probably in the mail. She said she would expedite this to BoA and I would probably hear from BoA somewhere between 7 to 10 days (hahaha). However, I would also hear from her within the next four days for an update. Within two hours my phone rang, it was a Rep from BoA. This fella was a fluent English speaker, not the normal dialect for BoA and it was nice to hear English again… This guy had some answers as to why we were denied and ultimately made “invalid”. Our account shows we missed the trial payments for December and January. Wait a minute, December and January? You know those months kind of stand out in my mind, weren’t those the same months we were waiting for final paperwork for the new Step Rate Mod, well by golly it was… Upon him finishing explaining why we were denied, I proceeded to bring him up to speed (details and dates) concerning the Step rate mod we were offered and that the payments were made and on time. His immediate reply was, “Umm, I’ll have to get back to you”. Yep, that was his exact quote, lol. I really thought that would be the last time I would ever talk to him again, haha. But no, he called back a few hours later. In the time we didn’t talk, he contacted his other peeps to inquire about what we had talked about. I do believe he ended up talking to Mr. Satan (thanks Moe!!). He was able to find that I was denied the Step Rate Mod because (you guessed it) they didn’t get the documents I sent back to them. When he said that, my response was, “Of course they didn't. They say that to everyone about everything, why wouldn’t they tell you the same thing”. He requested to them to redraw the Step Rate Mod documents and sent them out.


HOWEVER!!!!!! We have worked hard and long to turn this house into a home. In the last two years Countrywide/BoA have done their damnedest to turn our home back into a house. They have done just that, our home is simply a house now. I cannot trust anything that BoA does or says, verbal or written doesn’t matter and their credibility is shot to hell. “Get it in writing”, NOT, they’ll just “lose” it.

I totally understand and agree that they are the scum of the earth! I am going through the same thing as you. I think they enjoy beating us down, bringing us up with some hope, then slapping us down again! I hate these people!

[Discouragedone]

Thank you for the kind words Helen, haha.

Since my post on 9-1-10, the story gets even more convoluted and twisted. Bare with me, I'm still trying to get things straight in my head. Here we go, with two modifications on the table, one was workable (step rate) the other (4.5%) was a joke. Anyway, the second negotiator to come up with a Mod was the 4.5% negotiator, in our conversation they explained the details of the mod and mentioned that the proposal would still need to be approved by their supervisor and that could take around 5 days. This was last Monday, Tuesday evening fed ex happened by my place and dropped of an envelope from, yep, from BofA. It was a copy of the 4.5% mod I was told about the day before, so much for supervisor approval(?). To back this up a bit to tie up some loose ends, the first negotiator (step rate) had explained the details on the phone and said she would have the hard copies drawn up and sent to me when I was ready. Since it was after hours on Tuesday to call, I sat on it. Wednesday rolled around, dumbfounded, confused and not really knowing who I could call to talk about this, I sat on it some more. Thursday rolled around and I finally gave the Advocate for the President (turns out he does work for BofA) a call. In our conversation, I told him about both modification proposals, he promptly said, "You have the hard copy of the 4.5% mod, that one is the only valid mod. The step rate mod is null and void because it was only verbal and that negotiator no longer works for BofA". Then he says, “If the 4.5% will not work, call that negotiator to see what they can do.” So my response was, "I get it now, BofA comes out high and then I come in low and then we go back and forth to come to an agreement somewhere in the middle?" He said, "That's not what I said". My reply, "That's what you implied". He didn't like that to well, haha. That conversation ended without finding too much resolution. Following that I emailed the step rate negotiator to inquire about their employment and to request a copy of the proposal. The reply email came pretty fast, turns out they do still work for BofA and that they would forward the proposal to me. Hmm, that’s odd the fella I just talked to told me this negotiator no longer worked for BofA, yet another liar has been exposed!! I'm done talking to him now, he can't be trusted anymore. I then called the 4.5% negotiator to start some good ol' fashion wheeling and dealing. Before any wheeling a dealing could take place, the negotiator said they had been excused from handling my modification and the step rate negotiator has solely taken over (I am still trying to understand that part, haha). To the phone I go, I called the step rate negotiator, we talked a bit about an email I had sent them explaining how I was tired of the lies, deception and the blatant lack of communication throughout BofA. Then came the negotiations, I told them the terms of the step rate mod could not be met due to my income. They asked why this was, I spouted off a few income numbers, that's why. Then came my lowball proposal, I said, "After two years of trying to work something out, here is what I would like to see happen. I would like to have a principal reduction to reflect current market value, I would also like an interest rate reduction and I want my credit report restored to what it was prior to all of BofA's, whoops and mistakes." Explaining that over the last year all the issues I have had were created and perpetuated by BofA. Also, that I have complied with each and every request they asked of me. For the most part they were silent, and then they said they would see what they could do. Yeah, right, I feel foreclosure proceedings in my future, hahaha. Bring it on!!

Take care all,

[helen]

Thank you for the kind words Helen, haha.

Since my post on 9-1-10, the story gets even more convoluted and twisted. Bare with me, I'm still trying to get things straight in my head. Here we go, with two modifications on the table, one was workable (step rate) the other (4.5%) was a joke. Anyway, the second negotiator to come up with a Mod was the 4.5% negotiator, in our conversation they explained the details of the mod and mentioned that the proposal would still need to be approved by their supervisor and that could take around 5 days. This was last Monday, Tuesday evening fed ex happened by my place and dropped of an envelope from, yep, from BofA. It was a copy of the 4.5% mod I was told about the day before, so much for supervisor approval(?). To back this up a bit to tie up some loose ends, the first negotiator (step rate) had explained the details on the phone and said she would have the hard copies drawn up and sent to me when I was ready. Since it was after hours on Tuesday to call, I sat on it. Wednesday rolled around, dumbfounded, confused and not really knowing who I could call to talk about this, I sat on it some more. Thursday rolled around and I finally gave the Advocate for the President (turns out he does work for BofA) a call. In our conversation, I told him about both modification proposals, he promptly said, "You have the hard copy of the 4.5% mod, that one is the only valid mod. The step rate mod is null and void because it was only verbal and that negotiator no longer works for BofA". Then he says, “If the 4.5% will not work, call that negotiator to see what they can do.” So my response was, "I get it now, BofA comes out high and then I come in low and then we go back and forth to come to an agreement somewhere in the middle?" He said, "That's not what I said". My reply, "That's what you implied". He didn't like that to well, haha. That conversation ended without finding too much resolution. Following that I emailed the step rate negotiator to inquire about their employment and to request a copy of the proposal. The reply email came pretty fast, turns out they do still work for BofA and that they would forward the proposal to me. Hmm, that’s odd the fella I just talked to told me this negotiator no longer worked for BofA, yet another liar has been exposed!! I'm done talking to him now, he can't be trusted anymore. I then called the 4.5% negotiator to start some good ol' fashion wheeling and dealing. Before any wheeling a dealing could take place, the negotiator said they had been excused from handling my modification and the step rate negotiator has solely taken over (I am still trying to understand that part, haha). To the phone I go, I called the step rate negotiator, we talked a bit about an email I had sent them explaining how I was tired of the lies, deception and the blatant lack of communication throughout BofA. Then came the negotiations, I told them the terms of the step rate mod could not be met due to my income. They asked why this was, I spouted off a few income numbers, that's why. Then came my lowball proposal, I said, "After two years of trying to work something out, here is what I would like to see happen. I would like to have a principal reduction to reflect current market value, I would also like an interest rate reduction and I want my credit report restored to what it was prior to all of BofA's, whoops and mistakes." Explaining that over the last year all the issues I have had were created and perpetuated by BofA. Also, that I have complied with each and every request they asked of me. For the most part they were silent, and then they said they would see what they could do. Yeah, right, I feel foreclosure proceedings in my future, hahaha. Bring it on!!

Take care all,

I feel your pain! I have been in communication for over a year now, the supposed workout trial plan started 10-1-2010, now I am told there was never such thing. I paid them faithfully now for 11 months on time every month. I was told only two weeks ago that my mod package for MHA was coming to me in 7-10 days. Then when I called to follow up this past monday, I was told that I had never been on any mod trial plan, that I would have to prove I was??? I too have done everything they have asked. Now I have a threat of escalation letter received this week, demanding full pmt of back pmts by the 29th of this month. Well, hey if I haven't been able to pay that before now, what do they think I can do now, run out back and grab the funds off the money tree??? Haha! Idiots! So, after I had been threatened by the worst witch I have ever experienced there, she says I am going to be re-entered into the MHA, ppwk will be sent to me shortly, but didn't know when, said there is no way to track it either! I have the BOfA OOP email address now, thanks to this website, and am working on the rough draft of the email I will shoot over there by Tuesday morning. In fact I will make sure I send about 10 of the same email, just so they read it and get the hint I need to speak with them.
I am reading about the In-house Mod with BOfA, I don't know who I talk to about that? Do you happen to know? I have never spoken to any negotiator, only been given the name of the person that was supposed to be working on my case all this time, I have repeatedly asked for the persons phone number/email address and told they would have her call or email me. I never had any contact with her EVER!
Are you trying to get the IN-house Mod? If so, please tell who I need to call for this? Anyone with that info, could you please share? Thank you. Helen

[Discouragedone]

Helen,I haven't researched the In-House Mod thing, I have only heard it mentioned here. Not sure who you would need to contact. I didnt get that far. Good luck, with your email. It would appear it didn't really do much for me except get me a new block of people that don't really know what they are doing. But, then I didn't follow any form email, I just asked to find out what the word "Invalid" meant since the individual that said it couldn't answer me. Ahh yes, the phone, they will tell you just about anything to string you along, I have found that many times. If there is a way you can start to record your phone calls, do it. After they say, "So you know, we are a debt collector and this call may be recorded or monitored for quality assurance" You say, "I am a homeowner and this call will be recorded for quality asssurance." They must be aware they are being recorded. I wish I had done that all along. Over time they have migrated over to calling me on my cell phone, much easier, when I remember to plug them in, lol. I am to the point I just don't care, still pissed but don't care. We have entered into time management stage. Have the house packed up and ready for the day. Worst case/best case we would only have to unpack if things turn around for the good.

Good luck.

[whathppnd]

New Hell

I've been trying to modify my loan with BOA since Making Home Affordable came out last year. In April of this year I got a package from Freddie Mac, filled it out sent it back. Never heard anything. So I called them after waiting 60-90 days, they told me to call Bank of America who is my loan servicer. They said I qualified to apply for Making Home Affordable. So I completed the paperwork sent it back, they sent me a request for more information I submitted it. I received a letter dated July 20, 2010 that my information was received. Since then I received the same letter from credability.org that you received I ignored it, they called me, I ignored the calls. Meanwhile the 45 days it was supposed to take to receive something in the mail has passed. So I call BOA to see what is up, I find out from a rep. that my account was assigned to an underwriter, but he hasn't posted any notes or updates. The rep tells me to call every 10 days to check for updates, and also tells me call cust. service to get the underwriters direct number and email address. He transfers me, needless to say that information is not gotten by me. So after that call I get another message from crediability saying that Freddie Mac & BOA want me to call them. So the only thing I can infer from that is that if I don't call they aren't going to do anything. They are blackmailing people into doing what they want to make modifications that they should be making anyway. Just do it! So if you feel you will benefit from working with them do it. If not, then you are taking your chances. My reason for not calling is that it might help, but I already have a plan for getting my finances in order, and am working in that direction. It isn't BOA or Freddie Macs place to tell me what to do.

[Discouragedone]

For those folks that have seen it through to the end and received resolution, I commend you. However, after two years of this, I'm done. Chapter 7 has been filed.

Take care all and I do hope you all the best.

[helen]

For those folks that have seen it through to the end and received resolution, I commend you. However, after two years of this, I'm done. Chapter 7 has been filed.

Take care all and I do hope you all the best.

I am right there with you. I am completing my paperwork for chapter 7 also. I have been through hell for over three years. First when my husband lost his 100 thousand plus a year income. He was out of work for over a year, and did not find a new job, he had to start his own business, which is not bringing in that kind of money. Right after he started the business, he found out two months in, he had advanced cancer. He was out of commission for work for over a year again, treatments and surgery caused him disabilities and now our credit and all our savings, retirement and all our assets are gone. We are in our early fifties starting all over again! I saw a BK lawyer this week and the sense of relief for us is present now. And today I got a call from BOA that they have finally assigned me a negotiator, this only after 14 months of runaround. I am not even going to hang around for that call, it probably won't happen anyway, I was told this negotiator will call me in a few days. Well, it is a damn bit too late now. I don't trust BOA and never will again. My lawyer told me about all the people she has with clients with the same problem I have with BOA. We thought about short sale/deed in lieu, however after talking to this lawyer, she says the short sales aren't going through like they should and now I hear there are promissory notes being snuck into the closings with short sales, so you have to agree to pay the bank back the difference in the short sale? What the heck! I am going to be the happiest person of all, when/if that negotiator calls me next week and I can say, HA! I am filing bankruptcy and forfeiting my house too, and if BOA would have heeded all my requests for help a long time ago, I wouldn't be in this mess. That will be the best call I ever had with BOA, when I tell them they are getting the BOOT! Good luck to you, I am sure you are relieved also.

[tryinmybest]

What do you owe B of A? I would play games with them instead. Stay there as along as possible rent free, pocket all the cash
and then on YOUR terms call the As---- up and say come and get it. (make sure to lock all the doors for they will have to break into their own house, ha) However, make sure to take what you need/want, have
a large sale and have some fun all at the expense of B of A. You deserve it after the hell they put you through.

[helen]

What do you owe B of A? I would play games with them instead. Stay there as along as possible rent free, pocket all the cash
and then on YOUR terms call the As---- up and say come and get it. (make sure to lock all the doors for they will have to break into their own house, ha) However, make sure to take what you need/want, have
a large sale and have some fun all at the expense of B of A. You deserve it after the hell they put you through.

Haha! Good idea! We owe them quite a bit and the house is under water. We would have paid if they would have worked with us, they are the biggest liars and as_es I have ever run across. After the BK, I was told it could be 3-6 months before they toss us out. We are a squatter rights state, I am going to sit right here and wait until I feel like moving. And I do intent to lock the doors when we leave. And I won't be leaving the keys for them either!

[Discouragedone]

Final post (update). 4-22-11 Notice of Default was files. 7-26-11 Notice of Trustee Sale date set. 8-18-11 Found house had sold on 8-15-11 to a third party for $266k less then I owed. No more insurance, no more HOA fees. The pleasure of knowing bank of america via recontrust has to eat that $266k and there ain't a damn thing they can do about it!! Happy dance time!! I am FREE, time to move forward. Good luck to all those still trying.

Take care

[Cat Damiano]

Thank you for your update. Congratulations on making it through to the end. Best of Luck to you in the future!