Sorry to hear you about your gut-wrenching situation. I'm also in the same boat, having found out that Bank of America modified the first loan in 2011 and sold the junior lean-to shady investors after promising us on the phone that we will be paying one loan going forward. After making payments on time for 8 straight years, a new servicer and investors showed up and demanding payment of 50K. Living in a nonjudicial foreclosure state, there is nothing STRONG we could do to stop foreclosure from being granted. We are now 20days away from moving out of the house if something significant doesn't happen. You are not alone; many people are getting hunted by countrywide/Bank of America subprime loans of 2004-2007. Finding a lawyer to defend you is near impossible in my state. I have talked to nearly every lawyer, and all they talk about is bankruptcy, which will only put a band-aid on the problem. I think the best thing to do in your case and my case is to sue with goal of either winning, or settling for less should the enemy crack. Loans that have been modified, or originated with BOA, country wide, Nationstar and other major scammers have tones of errors, according to attorney I talked to today. Litigation is the only way (win or lose), or homeowner will be traumatized for years from this financial rape. Better dying upright than on the knees!