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Today I Was Told by BOA My Home is Going into Foreclosure
So sad to read what Bank of America is up to.  To have someone repeatedly submit every thing asked of them and still deny them is very sad.  Can't figure out why the banks are so resistant to loan modifications.  Haven't heard of one person who has negotiated one successfully.
After three years of filling out loan modification paperwork and sending it in, I was informed via a phone call today from Bank of America that my loan modification was declined on 2/1/13 as I didn't submit all the documents.  Bank of America continues to state this as a reason for declining my loan modifications, but I give them everything they ask for and then have my HUD counselor review it for completeness.  Anyone who knows me knows how organized and detail-oriented I am.  I have a Ph.D. from Columbia University and that required an incredible attention to detail.  I know I submitted all the documents required as I carefully reviewed every request and my HUD counselor, Michael Haynes, of the Neighborhood Housing Services of New Haven reviewed them.
This seems to me to be a bogus excuse.  I think they just don't want to do a loan modification.  Although why ... more

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