Today I Was Told by BOA My Home is Going into Foreclosure

Real Estate Agent with William Raveis Real Estate RES.0772823

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 BOA would want one more foreclosure in Bridgeport, Connecticut is beyond me.  They aren't going to sell the home for more money than I would pay for it.  I bought this home at the peak of the market in 2005 and paid $400,000.  It is now worth no more than $250,000.  I'm earning a good income now, my income tanked when my husband became ill with pancreatic cancer three years ago and our expenses have been high due to the cost of medications, travel, and treatment.  We also lost his income when he became ill.  We were both in real estate and the market downturn left us with less money at a time when we needed more.

As you know, my husband has Stage IV Pancreatic Cancer and he is getting hospice care in our home.  I haven't told him yet that our home is going into foreclosure.  BOA says to consider a Deed in Lieu of Foreclosure or a short sale and just leave, but my husband wants to spend his final days in his own home.  Is that too much to ask of a big heartless organization?   Probably.   But don't you wonder where all that Mortgage Settlement money went to?  Weren't the lenders supposed to be doing more loan modifications instead of allowing homes to go into foreclosure?  What the heck are they doing with that money anyways???

It makes no sense at all to me, but my hope is that if you would reblog this post that BOA will notice it on social media, reconsider their decision to foreclose, so that I don't have to tell my husband that our home is going into foreclosure.  He's been going through a tough time over the past few weeks and my fear is this will cause him enough stress to push him over the edge emotionally and physically.

I trust in the power of AR to get the word out and in your love and kindness to support me at this time as I try to be strong for my husband.  Thank you.

6 PM 2/9/13 UPDATE:  Two Social Media managers from BOA contacted me today and my case will be sent to their Escalation Team. I will know more on Monday and will post an update in a new post.  Thank you all for taking the time and effort to reblog, Tweet, share on FB, post on Google+, and for your comments/calls/e-mails.  AR may not be a face-to-face group, but we are a community in the true sense of the word - a group of people who care for one another and help each other in their time of need.  Thank you my AR family from the bottom of my heart.

2/11/13 Update:

Three calls today from BOA and I now have one point of contact for dealing with them.  I haven't anything to report yet, except that this time it seems like my loan modification has been fast tracked for priority review.  I will report back as I know more.  I really appreciate your help.  I should know more by the end of the week.  I'll keep you informed.  Thank you so much!  This wouldn't have happened without your efforts. I'm very grateful to my AR friends!  Thank you!

2/16/13 Update:  

BOA told me the loan modification was approved by underwriting and is on its way to Fannie Mae for their approval.  It may take two weeks before we get a response from them. Keeping my fingers crossed!  Thank you!  This wouldn't have happened without the active support of my AR friends. 

2/25/13 Update:

Today a FedEx package arrived from BOA with all the documents to sign for a trial loan modification!  I need to talk to my HUD counselor, but it looks like they really did their best to get me the lowest payment possible.  I told my husband today and he was very relieved.  He's in the hospital right now fighting for his life with a massive infection (they don't know the source of the infection yet).  Tomorrow will be his birthday and it was three years ago tomorrow that he was diagnosed with pancreatic cancer.  This was a wonderful birthday gift.  Please keep him in your prayers for one miracle.  I would like him to return home and feel good enough to celebrate a belated birthday.  I don't want this to be the end, but I know it could be.  You've done so much for me my dear AR friends and I have no right to ask for one more favor, but if you could put him in your prayers for another miracle, I would be very grateful.  I love him so much and it's hard to believe that this could be the end.

3/19/13 Update:

My husband is still in the hospital.  He has been fighting three massive infections and is still on IV antibiotics.  We just celebrated our 8th anniversary yesterday (as much as you can celebrate under these conditions).  Thank you for your prayers.  He did indeed rally and I am hoping he is on the road to coming home, but it's still up and down.   I made my first trial loan modification payment thanks to the power of ActiveRain.  Thank you for helping us get this loan modification.  We should know about the permanent one by July.  I'll keep this post updated.

12/30/13 Update:

Now that this post is listed as one of the top five most commented upon posts of 2013, I should provide an update for those who haven't been following me.  He did come home from the hospital and entered in-home hospice.  He enjoyed seven more weeks of life before he lost his battle with pancreatic cancer.  He was relieved that I had received a permanent loan modification before he died.  He loved our home and I wanted to be able to stay here afterwards because we have so many memories together. 

Real estate has picked up in my area and I had a successful year.  I deeply appreciate my clients who stayed by me through these difficult times.  I never let my clients down, no matter what was going on in my personal life. 

Thank you to everyone in the ActiveRain community who reblogged, Tweeted, Google Plussed, and so much more.  BOA responded right away and thanks to the follow up from the AR community, BOA finally gave me a permanent loan modification just before my husband died.  I'm in awe of how the AR community came to my aid in my time of need.  This an amazing community, a real community, in fact I often call you my "AR family."  Thank you!

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bank of america loan modification

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Anna Banana Kruchten CRB, CRS 602-380-4886
Phoenix Property Shoppe - Phoenix, AZ
Arizona's Top Banana!

Gail I'm so sorry to hear all this bad news.  It's beyond ridiculous what Bank Of America is putting you - and countless other families through.  I'll reblog, post and do what ever I can to spread the word. 


Featured in BananaTude


Feb 08, 2013 07:47 AM #1
Cindy Jones
Integrity Real Estate Group - Woodbridge, VA
Pentagon, Fort Belvoir & Quantico Real Estate News

Stupid BoA.  They have proven over and over again that when it comes to paperwork they lose more than they keep.  I'm sorry to hear you are having to go through this.

Feb 08, 2013 07:55 AM #2
Christine Smith
Buyers Brokers Only LLC - - Canton, MA
Exclusive Buyer Agent & Attorney, Canton, MA

Me too....this is outrageous!

Feb 08, 2013 07:55 AM #3
Miriam Bernstein, CRS
Rochester, NY

I will also repost and hope it helps you and gets the word out.  I am so sorry for all your troubles, it is just terrible what the banks are doing and putting consumers is the worst torture for many.

Feb 08, 2013 07:57 AM #4
Jo Olson
HOMEFRONT Realty - Kettle Falls, WA
HOMEFRONT Realty @ LAKE Roosevelt - Stevens County

I am so sorry and will scream this out in the internet!

Feb 08, 2013 08:00 AM #5
Rebecca Gaujot, Realtor®
Vision Quest Realty - Lewisburg, WV
Lewisburg WV, the go to agent for all real estate

Gail I'm so sorry to hear about your husband and the foreclosure.  I have suggested and reblogged this to help get the word out... I will keep you and your husband in my prayers!

Feb 08, 2013 08:03 AM #6
Liz and Bill Spear
RE/MAX Elite 513.520.5305 - Mason, OH
RE/MAX Elite Warren County OH (Cincinnati/Dayton)

Gail, Have you reached out to your Congressional office?  Maybe they could get a better reaction.  Or the local press/TV station?  If ever there was a case where the heart strings would be tugged you've got it.  My last attempt at using social media for BoA was conveniently ignored by them so I think you need bigger guns to help.

Feb 08, 2013 08:05 AM #7
Gail Robinson
William Raveis Real Estate - Southport, CT
CRS, GRI, e-PRO Fairfield County, CT

Anna - Thank you.  I know I'm not the only one, but I am a noisy one!  Maybe they will listen.

Cindy - I've heard of this happening to others with BOA on loan modifications.  I know I crossed every T and dotted every I.  They make the mistakes and the consumer loses their home.  It's not right.

Christine - It is outrageous!  And I'm just one of many as you know.  I won't go down without a fight!

Miriam - Thank you.  I put $80,000 down when I bought this home in 2005 and then put another $30,000 into fixing it up.

Jo - Thank you!



Feb 08, 2013 08:07 AM #8
Linda K. Mayer
License # 01767321 - La Verne, CA

Gail we went through the EXACT same thing.  Finally got a lawyer to get a mod done for us after like 6 tries ourselves with BofA.  It cost us like $1500, but the lawyer getting involved got it done.  I will reblog, too in hopes of getting you some help.  Praying for you and your husband.

Feb 08, 2013 08:11 AM #9
Chris Ann Cleland
Long and Foster REALTORS®, Gainesville, VA - Bristow, VA
Associate Broker, Bristow, VA

I wish I could say this was something I'd never heard of from BOA before, but I can't.  They are simply awful.  I'll reblog for you and tweet to BOA too.  You're in my prayers.

Feb 08, 2013 08:12 AM #10
Debbie Cook
Long & Foster Real Estate, Inc - Silver Spring, MD
Silver Spring and Takoma Park Maryland Real Estate

This just makes my blood boil!  You seem like one that is deserving of a modification!  I have not heard or do I know of anyone that was able to get one yet!, but this takes the cake in outrageousness.  I will reblog too.

Feb 08, 2013 08:13 AM #11
Susan Haughton
Long and Foster REALTORS (703) 470-4545 - Alexandria, VA
Susan & Mindy Team...Honesty. Integrity. Results.

I am so sorry. Reblogging and hoping it will help. 

Feb 08, 2013 08:21 AM #12
Kathy Streib
Room Service Home Staging - Delray Beach, FL
Home Stager - Palm Beach County,FL -561-914-6224

Gail- you have our support.  I think Liz and Bill Spear may have another avenue for you. 

Feb 08, 2013 08:21 AM #13
Joan Lorberbaum Moore
Lang Realty - Delray Beach, FL

I tweeted your blog to BofA help on Twitter.  I think you should also tweet to them.  @BofA_Help   I think anyone reading this blog should send a tweet to the BOA twitter account.  They have helped other peeps.

Feb 08, 2013 08:22 AM #14
Linda K. Mayer
License # 01767321 - La Verne, CA


Feb 08, 2013 08:23 AM #15
Anna Banana Kruchten CRB, CRS 602-380-4886
Phoenix Property Shoppe - Phoenix, AZ
Arizona's Top Banana!

Gail there are a number of us on BananTude Group on Facebook and the Moderators for the AR group that are getting the word out to as many places as we can.   We'll do whatever we can - over and over until they here your voice.  Bless you and your husband.

Feb 08, 2013 08:24 AM #16
Emmary Simpson
Las Cruces Homes and Land - Las Cruces, NM
Serving Las Cruces, NM

Gail  my thoughts and prayers are with you and your husband. We're getting the word out all over the place for you.

"We got your back"

Feb 08, 2013 08:26 AM #17
Missy Caulk
Missy Caulk TEAM - Ann Arbor, MI
Savvy Realtor - Ann Arbor Real Estate

I am so sad to read this, I tweeted and G+ it !!! 

Feb 08, 2013 08:34 AM #18
Sheila Anderson
Referral Group Incorporated - East Brunswick, NJ
The Real Estate Whisperer Who Listens 732-715-1133
OMG Gail. This is so upsetting. I too will reblog and post to Facebook and LinkedIn. I believe Liz and Bill are on the money with getting your local representatives involved too. You are in my thoughts and prayers.
Feb 08, 2013 08:34 AM #19
Gail Robinson
William Raveis Real Estate - Southport, CT
CRS, GRI, e-PRO Fairfield County, CT


Rebecca - Thank you!

Liz and Bill - Yes, Jim Hime's office put me in touch with my HUD counselor.  I will go back his office and let him know what happened.

Linda - I have a top notch HUD counselor, in fact, he is the Director of the agency, so it's not lack of expertise.  BOA is just stonewalling.

Chris Ann - I know I'm just a poster child for this, but so be it.  I hope it helps others, too.

Debbie - I had an excellent year in 2012, so my income should certainly qualify for a loan modification. 

Susan - It will.  I know it will.

Kathy - Yes, I will call Jim Hime's office on Monday.  He's been great!

Joan - Great idea.  Thank you!

Linda - Great hash tag! 

Anna - Social media is where it's at.  FB, Twitter, Google+  Someone has to be the poster child for BOA's shameful treatment of consumers.  What the heck, it might as well be me.

Emmary - Thank you!




Feb 08, 2013 08:38 AM #20
Mike Cooper, GRI
Cornerstone Business Group Inc - Winchester, VA
Your Neighborhood Real Estate Sales Pro

Gail, tweeted, re-posted to LinkedIn, Gmail and Facebook.  Bank of America along with Chase and a few other don't deserve any funds from any American.  They aren't too big to fail.  They are too big to succeed. 

Feb 08, 2013 08:39 AM #21
Michael Jacobs
Pasadena, CA
Los Angeles Pasadena 818.516.4393

Gail - so sorry to know you are going through this -- re-posting.   

Feb 08, 2013 08:42 AM #22
Bruce Brockmeier
Internet Marketing Consultant to REALTORS® - Yorba Linda, CA
Coached By Crouch

Hi Gail,

This is horrible!!!

I will spread the word.  I'm so disgusted by this unfair, and uncivilized, behavior that I'm strongly thinking about closing my Bank of America account.



Feb 08, 2013 08:44 AM #23
Nick T Pappas
Assoc. Broker/Broker ABR, CRS, SFR, e-Pro, @Homes Realty Group, @HomesBirmingham & Providence Property Mgmnt, LLC Hun... - Huntsville, AL
Madison & Huntsville Alabama Real Estate Resource

Gail, I'll absolutely reblog your post.  I'm so sick of these banks that in part caused some of the problems we are facing today and yet stand to gain from them...I as well as many others have horror stories to tell...a reblog is on the way.

Feb 08, 2013 08:44 AM #24
Richard Iarossi
Coldwell Banker Residential Brokerage - Crofton, MD
Crofton MD Real Estate, Annapolis MD Real Estate


This post is going to get unbelievable circulation. My prayers are that someone in BOA responds humanely.


Feb 08, 2013 08:44 AM #25
Bruce Brockmeier
Internet Marketing Consultant to REALTORS® - Yorba Linda, CA
Coached By Crouch
Who do we call, and email, to complain about this?
Feb 08, 2013 08:47 AM #26
Kathy Nielsen - Marietta, GA
Atlanta Georgia Home Stager

I'm so sorry that you are going through this. My heart goes out to you. We are a family here and I'm hopeful that with so many getting the word out, that something will be done.


Feb 08, 2013 08:48 AM #27
Joan Whitebook
BHG The Masiello Group - Nashua, NH
Consumer Focused Real Estate Services

Gail -- My thoughts and prayers are with you.  I would pull out all the stops... call your congress men and women, call the banking commission in your state.. and if at all possible, get an attorney to get a stay!  If you turned in all the paperwork, it seems they cannot move forward.  I think you may still have some options to stop this.  Good luck, my friend.

Feb 08, 2013 08:48 AM #28
Melinda (Mel) Peterson
Real Estate Cafe LLC - Bend, OR
Curator of Happy Endings

Oh dear God... what is BofA thinking?!  Hang in there Gail... we're all sending positive thoughts, energy and prayers your way.  Tell those blood sucking devils at BofA that you're not leaving, and they'll have to drag you out of that house in your skivvies!  I can make the call for you if you'd like ;-)     

Feb 08, 2013 08:49 AM #29
Marte Cliff
Marte Cliff Copywriting - Priest River, ID
Your real estate writer

Gail - I tweeted, shared, and G+'s - and I hope everyone else will do the same. Maybe between us we can shame those crooks into behaving like decent people.

I'm so sorry that you and your husband are going through this - there really are no right words. But I know we'll all feel better if we can help you fend off this monster.

I'll re-blog later tonight - when there's a different crowd online.

Feb 08, 2013 08:53 AM #30
Richard Iarossi
Coldwell Banker Residential Brokerage - Crofton, MD
Crofton MD Real Estate, Annapolis MD Real Estate


I sent 15 emails to BOA executives and only six got returned. You only need one to read it and react.


Feb 08, 2013 08:57 AM #31
Karen Anne Stone
New Home Hunters of Fort Worth and Tarrant County - Fort Worth, TX
Fort Worth Real Estate

Gail, I am so sorry to hear this.  I am wondering if this is another doggone case of the loan mod department NOT communicating with the foreclosure department?  I have not had many short sales, but this was a major problem in two of them.  Each lender department... loan mod and foreclosure... worked totally independently of the other.  No inter-back communication for them.  So, if my seller sent the required documents to their loan-mod department, they should NOT expect that the foreclosure department had any knowledge whatsoever of those documents.

Perhaps this might be the case with your lender, as well.  I sure hope you can work this out.

Feb 08, 2013 09:00 AM #32
Lyn Sims
RE/MAX Suburban - Schaumburg, IL
Schaumburg IL Real Estate

This is so sad. Don't forget to report it to your States Attorney for further ammo against BofA.

Feb 08, 2013 09:01 AM #33
Gail Robinson
William Raveis Real Estate - Southport, CT
CRS, GRI, e-PRO Fairfield County, CT

Missy - Thank you.  I really appreciate it!

Sheila - I will call them again.  They have been very helpful.

Mike - I just want to know what they are doing with that Mortgage Settlement money???

Michael - Thank you.

Bruce - Unfair is the right word.

Nick - I knew I'd be the poster child for something one day.  LOL

Richard - Well, if they don't, I'm prepared to face the media.  This nonsense has to stop.

Bruce - Just reblog, Tweet, Google+, etc.  They don't care about letters or e-mails, they care about their social media reputation.

Kathy - I have faith in social media.  It's the great leveler between the corporate giants and consumers.

Joan - Thank you.  Great advice.

Mel - Thank you.




Feb 08, 2013 09:01 AM #34
Kristen Wheatley
Better Homes & Gardens | The Masiello Group - Brunswick, ME
Supporting Success - Best Job in the World!

I am sorry they are putting you through this.  They are right up there with US Bank on my top list of criminals. 

Everyone make sure you tweet this as well and include the hashtags #bankofamerica and #shameonBOA.  Maybe we can get this to trend on twitter and get some attention.

Feb 08, 2013 09:04 AM #35
Susan Mangigian
RE/MAX Preferred, West Chester, PA, RS152252A - West Chester, PA
Chester & Delaware County Homes, Delaware and Ches

Gail, I reblogged and tweeted this.  Shameful.  Absolutely shameful and my prayers to you and your husband.

Feb 08, 2013 09:04 AM #36
Elizabeth Weintraub Sacramento Realtor Top 1%
RE/MAX Gold - Sacramento, CA
Put 40 years of experience to work for you

I have sent what I can send for you, Gail. Chris Ann just sent this to me. In some instances, B of A does want to foreclose. It's certainly within its power and right to foreclose. However, B of A can also postpone the foreclosure for certain circumstances, and I would say this counts as a qualifying circumstance, but I am not a person with any authority. I'm so sorry this is happening. I think all of us might make a difference. Please let us know what happens.

Feb 08, 2013 09:06 AM #37
Dr. Stacey-Ann Baugh
Century 21 New Millennium - Upper Marlboro, MD
A doctor who makes house calls.

Just posted this on my facebook page.  So sad to know you are dealing with this when you should be able to focus on your husband.

Feb 08, 2013 09:15 AM #38
Melissa Zavala
Broadpoint Properties - Escondido, CA
Broker, Escondido Real Estate, San Diego County

I'm with Elizabeth on this one. I bet if it is within their power they will stop the sale. Sometimes it just takes a talk with the right person.

Feb 08, 2013 09:17 AM #39
Sheila Anderson
Referral Group Incorporated - East Brunswick, NJ
The Real Estate Whisperer Who Listens 732-715-1133

Gail, I hope you can go there, not just call, and try TV help lines, your senators and even the Governor. Let me know if there is anything I can help you with.

Feb 08, 2013 09:18 AM #40
Linda K. Mayer
License # 01767321 - La Verne, CA

Gail, one of my FB friends suggested contacting the local media... or shoot, aim HIGH, call FoxNews or CNN! They are doing this everywhere!

Feb 08, 2013 09:19 AM #41
Christie Lane Craven
Blackwell Real Estate - Odenton, MD
Your Anne Arundel County Agent


Sorry to hear you are going through this.  Try tweeting a link to list post to the twitter handle- @boahelp  

I had great success with that when I kept getting the run around in a client's BoA short sale.  Same story, they kept claiming we din't submit the docs they requested even though I did.  That one eventually closed. I actually had someone from BoA call ME after my tweet!  I've also had success sicking HAFA reps on banks who aren't playing by the rules *cough* Wells Fargo *cough*.  Hang in there and keep documenting everything as I am sure you are already doing.  Let me know what response you get from the tweet.  It took them about a day, but they did get back to me and resolved my issue.


Feb 08, 2013 09:20 AM #42
Jeff Chalmers
Ross Mortgage Company (MC2084) - Norfolk, MA
Branch Manager

Gail, I just reached out to you.  try to get started. I just posted you to Facebook and will add you to Twitter and LinkedIn.


Please...if I can help you with anything, use me. My experience in closing 15,000 loans can be helpful and having just helped several friends out of foreclosure in about 45 days means I can help you too.

Feb 08, 2013 09:26 AM #43
Christine Smith
Buyers Brokers Only LLC - - Canton, MA
Exclusive Buyer Agent & Attorney, Canton, MA

I also tweeted to BofA_Help, BofA_Community and BofA_News hoping it will reach someone.  Also put it on G+.  Keep us posted.

Feb 08, 2013 09:28 AM #44
Lorrie Semler, REALTOR® in the Dallas area. Call/text 972-416-3417
United Real Estate - Addison, TX
Real Service. Real Results. Real Estate

I reblogged and it will show up on my FaceBook page, too. One of my clients 3 years ago works for BoA and I'll see if he knows who to contact.

Feb 08, 2013 09:28 AM #45
Lisa Hicks
Hoang Realty - Augusta, ME
Serving Central and Southern Maine
Reblogged, tweeted. My thoughts go out to you and your husband. We can make a difference!!!
Feb 08, 2013 09:29 AM #46
Steve Loynd
Alpine Lakes Real Estate Inc., - Lincoln, NH
800-926-5653, White Mountains NH

the more I think I know the less I am sure...some things make no sense, Logic and compassion seems not to compute with these leviathans.

Feb 08, 2013 09:34 AM #47
Denise Hamlin, Broker/Owner
Cardinal Realty ~ 319-400-0268 - Iowa City, IA
Helping Happy Clients Make Smart Choices

Gail, I agree with Linda. Take it higher. Call the local media. This is an absolute disgrace. 

I am so sorry that you have to go through this along with everything else you have on your plate at the moment.

You're right, you have a lot of friends on AR and we're all rooting, (tweeting and plussing) for you!

Feb 08, 2013 09:35 AM #48
Scott Larson
BHHS/Utah Properties - Park City, UT
Park City, Utah Real Estate News
Gail, I re-blogged for you and urged others to do the same. I am praying for you and your husband.
Feb 08, 2013 09:36 AM #49
Laura Cerrano
Feng Shui Manhattan Long Island - Locust Valley, NY
Certified Feng Shui Expert, Speaker & Researcher

With each door closeed new doors are opened I really believe. Maybe all that work was preparing you for an unseen future. We just don't know. Kept up the good work, Gail! :)

Feb 08, 2013 09:36 AM #50
Stacey Mayer - Everett, WA

I'm going to use all my networks on your behalf; whatever I can do. As an optician, I hear up close and personal stories of homes going into foreclosure just like yours, and for the same reason.

I spend hours on Zillow, dreaming. I see "foreclosure" istings thick everywhere. What is going on, Banks in America? We're just waiting for you to sell everything to foreign investment, or something? Don't we pay for the largesse given to you from Congress?

Perhaps we need to nationalize the banks, to get our homes and land back into the hands of individuals.

Feb 08, 2013 09:44 AM #51
Ed Silva
RE/MAX Professionals, CT 203-206-0754 - Waterbury, CT
Central CT Real Estate Broker Serving all equally

Gail, you know so well, when dealing with the people on this platform and starting a conversation about an issue with a bank, and of course especially Bank of America, that you're preaching to the choir.

Feb 08, 2013 09:44 AM #52
Corinne Guest
Corinne Guest, Realtor | Barrington Realty Company - Barrington, IL
Barrington Lifestyles

G Plussed and I added the CEO's hashtag. whatever it takes! Prayers for you and your husband. 

Feb 08, 2013 09:45 AM #53
Lottie Kendall
Compass - San Francisco, CA
Helping make your real estate dreams a reality

Gail, I too am sending this out to Facebook, LinkedIn, Twitter, etc. Sending you wishes for continued strength and love.

Feb 08, 2013 09:47 AM #54
Andrea Swiedler
Berkshire Hathaway HomeServices New England Properties - New Milford, CT
Realtor, Southern Litchfield County CT

Gail, I am so sorry, this is such nonsense at any time, but considering what you are going through right now, it is more than over the top. My thoughts and prayers are with both of you. And of course I am posting it everywhere I can think of. I hope something good can come out of this.

Feb 08, 2013 09:52 AM #55
David Brandschain
Long & Foster - Blue Bell, PA

Gail I posted this on Facebook also.  My best to you and your husband.

Feb 08, 2013 10:07 AM #56
Beth Atalay
Cam Realty and Property Management - Clermont, FL
Cam Realty of Clermont FL

Gail, I am so very sorry you're having to deal with this. I will absolutely post. Know that you are in my prayers.

Feb 08, 2013 10:10 AM #57
Kristine Ginsberg
Elite Staging and Redesign, LLC - Short Hills, NJ
NJ Home Stager

Gail - I also saw this on FB and am so, so sorry. There has to be something you can do! I blame this all on the cold hearted bank of America! Just know we are all spreading the work and you have so much love, prayers and support.

Feb 08, 2013 10:13 AM #58
Kathleen Daniels
KD Realty - 408.972.1822 - San Jose, CA
San Jose Homes for Sale-Probate & Trust Specialist

Gail,  This is outrageous.  I re-blogged the post.  Let me see what I can do to help.  This needs to be escalated!!

Feb 08, 2013 10:14 AM #59
John McCormack, CRS
Albuquerque Homes Realty - Albuquerque, NM
Honesty, Integrity, Results, Experienced. HIRE Me!

Gail,  We are so sorry to hear this all happening to you.  The circumstance leading up to all of this is just tragic.  Its hard for me to get my head around corporate thinking in these issues.  You're obviously hardworking, responsible and have a unique debilitating circumstance, why a loan modification or some GRACE is not the answer for BofA is beyond me.  Others have already made excellent suggestions and I hope this reaches the ears and heart of those at BofA.  Stay strong, our prayers go out to you, your husband and family.

Feb 08, 2013 10:18 AM #60
Kathy Sheehan
Bay Equity, LLC 770-634-4021 - Atlanta, GA
Senior Loan Officer

Gail, this is not the first time I have heard that reason for denial.  I am so sorry you are going through this while dealing with a major illness.  I agree with others here and escalate this up the corporate chain.  You have my thoughts and prayers.....

Feb 08, 2013 10:20 AM #61
Janna Scharf
Keller Williams Realty Coeur d'Alene - Coeur d'Alene, ID
Coeur d'Alene Idaho Real Estate Expert

Gail, I have had excellent results with Tweeting - their damage control team will pick it up immediately, and also with having our Congressman's office call to find out what is going on.  That will escalate the file up the pecking order to someone who can make some decisions.  In your case I think the odds are excellent that you will be able to have your modification attempt reopened and the correct reason it was denied determined.  Or, if they have truly lost docs you already submitted, you'll be able to submit them and have the process play out.  Unfortunately,  I have found that most of my clients who attempt a modification are disqualified by the hardship that caused them to default.  Best of luck to you.

Feb 08, 2013 10:24 AM #62
John J. Woods
Aardvark Appraisals - Palm Desert, CA



   Sorry to hear of your plight.  We just got told a couple of days ago by Chase that they were turning us down, as well, after three years also.  I'm very familiar with the kind of 'hoops' they've been making you jump through.  I wish we could be of help, but we couldn't even help ourselves in these B.S. modification scams the banks are conducting.

   Best of luck to you and your husband...


Feb 08, 2013 10:27 AM #63
Deborah Byron Leffler BzyBee Real Estate Lady!
Keller Williams Realty Boise - Nampa, ID

I am so sorry for all you are going through anyways..and then this really tops it!!!  Sending hugs and prayers and am reblogging and posting this on Facebook!!!  

Feb 08, 2013 10:32 AM #64
Lynn B. Friedman
Atlanta Homes ODAT Realty Call/Text 404-939-2727 Buckhead - Midtown - Westside -- and more ... - Atlanta, GA
Concierge Service for Our Atlanta Sellers & Buyers

Dear Gail,

You are the person DESERVING to get all the support you are getting from your ActiveRain family.
You are so amazing.

Stay safe -

Feb 08, 2013 10:33 AM #65
Michelle Carr-Crowe Just Call 408-252-8900 Top 1%!
Get Results Team...Just Call (408) 252-8900! . DRE #00901962 . Licensed to Sell since 1985 . Altas Realty - San Jose, CA
Family Helping Families Buy & Sell Homes 40+ Years

This is an obvious media story-call or email the reporters in your area, especially any who've written lifestyle or front page articles. Sometimes they do this and you just need to call back and re-submit everything. The other thing to check is that all of your signatures are correct and match up with how they are printed on the docs.

Feb 08, 2013 10:34 AM #66
Dan Tabit
Keller Williams Bellevue - Sammamish, WA
Gail, I had a short sale stuck in BOA Hell a few years ago and I emailed Ken Lewis, through an address someone on AR sent me. A while later I had someone from the executive offices call me and we eventually got it worked out. If you've tried all the conventional methods it can't hurt to go over some heads. You'll be in our prayers.
Feb 08, 2013 10:35 AM #67
Bridget "Mortgage Mama" McGee
SWBC Mortgage 410-960-2061 - Baltimore, MD
Maryland Mortgage Mama NMLS#196068

I have just re-blogged this.  I also posted it on Bank of America Sucks (FB page) and bank of America's fb page)  I personally believe that Bank of America is behaving  criminally and needs to be stopped.  I have heard and been involved with too many cases like yours.  Hopefully things willl work out for you.  Many blessings for healing and surrounding your family with LOVE!

Warm Regards,
Maryland Mortgage Mama 

Feb 08, 2013 10:35 AM #68
Beth Spradley
Capital Real Estate - Tuscaloosa, AL
Selling Homes in Tuscaloosa and Birmingham Alabama

You have my re-post.  My thoughts and prayers are with you and your husband.

Feb 08, 2013 10:36 AM #69
Deepak Chauhan
Versailles Property - Irvine, CA
Irvine, CA ... the place to be

Long time ago i decided NOT to give any business to BOA, they do not deserve it. I can say a lot of things about BOA. I wish you the best He will take care of you.

Feb 08, 2013 10:40 AM #70
Pamela Seley
West Coast Realty Division - Murrieta, CA
Residential Real Estate Agent serving SW RivCo CA

Gail, I am so sorry. If anyone should be getting a loan modification it's you and your husband. I am reblogging and tweeting this too!

Feb 08, 2013 10:41 AM #71
Michelle Carr-Crowe Just Call 408-252-8900 Top 1%!
Get Results Team...Just Call (408) 252-8900! . DRE #00901962 . Licensed to Sell since 1985 . Altas Realty - San Jose, CA
Family Helping Families Buy & Sell Homes 40+ Years

Lord, please bless and comfort Gail and her family. Undertake for them with B of A and the underwriters. Work your miracles, Lord. Let her husband's be able to stay in his own home until it's time to go to you. Cause a turnaround that will be a blessing for many. Amen.


Feb 08, 2013 10:41 AM #72
Sheri Spain
Next Home Team - Raleigh, NC
Wake Co. NC REALTOR Apex to Raleigh to Wake Forest


My friend who was an agent for a while recently went through this same situation and it took almost 4 years to resolve.  He was denied a modification about 18 months ago.  He took to social media and tweeted BofA and finally started to get somewhere.  As of last week he finally had a modification.  It took him a lot of being vocal.  Let us know if there is anything else we can do to help.  I am going to tweet a link to this article out to BofA and I have never had them not contact me or the party we were tweeting about so I will pray they contact you and help work through a resolution.  Peace and prayers to you!

Feb 08, 2013 10:43 AM #73
Lynn Pineda
eXp Realty - Boca Raton, FL
Real Estate Promises delivered in SE Florida

Gail, so awful of what you are having to endure, Prayers coming your way, I'm going to do all that I can do to see if I can get help sent your way, Hang in there and stay strong. Something is going to work out for you.

Feb 08, 2013 10:44 AM #74
Julie Bentley
Watson Realty Corp, Jacksonville, FL - St Johns, FL
Saint Johns, FL REALTOR

So very sorry that you are experiencing this at a time that you need to be able to spend time with your husband and care for yourself. I hope the appropriate people at BofA will hear of your plight and straighten this mess out. I will reblog this, and wish you and your husband some peace and comfort. 

Feb 08, 2013 10:52 AM #75
Jennifer Fivelsdal
JFIVE Home Realty LLC | 845-758-6842|162 Deer Run Rd Red Hook NY 12571 - Rhinebeck, NY
Mid Hudson Valley real estate connection

Gail I am so sorry to hear about your home and the impact this news could have on your husband.   I too think this is a story for the local media to get involved with.

Feb 08, 2013 10:55 AM #76
Ellie Ortmann
Keller Williams Realty Integrity Northwest - Buffalo, MN
"Put Your Red On"

We are all here for you!  Keep your head held high!

Feb 08, 2013 10:55 AM #77
Ricki Eichler McCallum
CastNet Realty - Corpus Christi, TX
Broker,GRI,ABR, e-Pro, TAHS

so sorry for you Gail,  I will post it.  God bless you and my prayers are with you!

Feb 08, 2013 11:02 AM #78
Anita Clark
ColdwellBanker SSK Realtors ~ 478.960.8055 - Warner Robins, GA
Realtor - Homes for Sale in Warner Robins GA

Gail: You and your family are in my prayers during this incredibly difficult time.

 Tweeted to @BofA_Help, @BofA_Community, and @BofA_News

Feb 08, 2013 11:14 AM #79
Karen Hurst
Rhode Island Waterfront!

Gail, I have not read all the comments, but I just sent you an email regarding this. Its a contact that can help you.

Feb 08, 2013 11:15 AM #80
Cindy Jones
Integrity Real Estate Group - Woodbridge, VA
Pentagon, Fort Belvoir & Quantico Real Estate News
Wow Joey (#79) did you even read Gail's post? Do,you understand the circumstances? Also you may want to brush up on the Active Rain community guidelines about advertising on someone else's post.
Feb 08, 2013 11:15 AM #81
Emmary Simpson
Las Cruces Homes and Land - Las Cruces, NM
Serving Las Cruces, NM

Hey #79:

Rule 1: Always read the post before commenting
Rule 2: See rule #1

Feb 08, 2013 11:17 AM #82
Karen Hurst
Rhode Island Waterfront!

Also, they have a tweet team that helps a lot. @BofA_Help    I am going to tweet this blog to them


Feb 08, 2013 11:17 AM #83
Paula Hathaway, REALTOR, LBA
Douglas Elliman Real Estate - Southampton, NY
...The Most Informed Agent In The Hamptons!

Gail: First of all I will re-blog this but you need to do this right away:

  • Find your congressman's addresses both locally and in Washington DC.
  • Remember to refer to him/her in his address as: The Honorable such and such
  • Write this story to him---just use this post; this should work.
  • Actual dates Of contact will help if you can remember them or if you have them written down somewhere
  • Locate the Office of the Comptroller of the currency in Washington DC
  • Copy the O.C.C. on your letter to your congressman, address them as: To Whom It May Concern
  • All your information should be as detailed as possible in terms of dates, $ amounts and any person you dealt with
  • Make sure you tell them this is an emergency
  • Send these letters, certified to the local and Washington DC offices of your Congressman and to the OCC in Washington and mark them URGENT MATTER. They have to sign for them so you  will know when they get them

I had a problem in 2010 when I was totally running out of money and the real estate market was dead. I had burned through my retirement money just to pay the mortgage on my house.

I wrote a letter in early 2010 to my Congressman and he notified the O.C.C. about my situation...yours may too but I wouldn't take the chance. My bank was Wells Fargo and they did end up giving me a modification which was meager at best and I have since sold my house and made a little money on it but I would not have been able to continue the mtg the way it was originally and since the market improved here, I got some extra time to get to the other side.

You need to make sure that you are the "squeaky wheel"...DO NOT let them think you will go quietly into the night! It takes perserverance but you should be able to get some satisfaction. There IS money available that  was paid by the tax payers to help you out--you are entitled to get the help you need; the banks already have that money! Even if it just gets you to a better market you will not be sorry if you give it this effort!

Good luck and keep a positive thought--you ARE entitled to peace of mind and a modification!

Feb 08, 2013 11:30 AM #84
Janis Borgueta
Key Properties of the Hudson Valley - Newburgh, NY
LIC RE Salesperson

Gail - They are certainly going to hear from the ActiveRain Community loud and clear on this one. Consider this reblogged and tweeted. You and your husband are certainly in my thoughts and prayers!  

BofA get your act together!!

Feb 08, 2013 11:34 AM #85
Praful Thakkar
LAER Realty Partners - Andover, MA
Andover, MA: Andover Luxury Homes For Sale

Gail, will re-blog this for sure - just can't understand why they have to do, instead of checking with you on what is missing! We all at AR are with you - let us know how we can help!

Feb 08, 2013 11:35 AM #86
Karen Anne Stone
New Home Hunters of Fort Worth and Tarrant County - Fort Worth, TX
Fort Worth Real Estate

Gail, I don't know if anyone else has suggested this but you might want to call Elizabeth Warren, the newly-elected Senator from Massachusetts.  I know you are in Connecticut, but from what I know about Sen Warren, and her disdain for banks, I bet if she jumped into this... she might be able to get something done.  Please think about it.

Feb 08, 2013 11:35 AM #87
Sharon Alters
Coldwell Banker Vanguard Realty - 904-673-2308 - Fleming Island, FL
Realtor - Homes for Sale Fleming Island FL

Gail, wow, a new low for Bank of America. You can do something called a QWR - Qualified Written Request - which is like a forensic audit if your loan, where you write the bank and specifically request all your loan documents. If they cannot produce all of these - and chances are since you have a loan from 2005, they can't do this because documents were omitted or signed improperly, etc. Harris University teaches this as a way to stop a foreclosure in its tracks and many use it right before the court date to stop the foreclosure.

BUT you shouldn't even be receiving this since you have complied with their requests and taken the extra step of verifying with the HUD counselor. A Ph.D? I knew you were extra smart to have your awesome Black Rock blog!!

Will broadcast this everywhere, Twitter G+, Reblog, and pray that this reaches the right people's ears/eyes. 

Also will pray for you and your precious husband during this time. May the Lord comfort you and grant you peace.

An attorney sounds like a stellar option if the price of $1500 is true - you should be able to get the bank to pay that back to you hopefully. They can't give an attorney the run around who knows what they are doing. 

If you are interested in the QWR, you can do a free trial with Harris University and they have all the info on their site. Or do a one month and you can get it all. Or maybe the attorney will know how to do it. It's more than writing a letter to them It has to be to a certain address and with certain language. Hugs and kisses and prayers to you :)


Feb 08, 2013 11:36 AM #88
Jon Quist
Tucson's BUYERS ONLY Realtor since 1996

You mentioned that you are dealing with The Bank of America. Everything you said after that comment is a waste of words.

Feb 08, 2013 11:37 AM #89
Paula Hathaway, REALTOR, LBA
Douglas Elliman Real Estate - Southampton, NY
...The Most Informed Agent In The Hamptons!

Gail: By the way the Office Of The Comptroller of The Currency is the oversight office for all banking! You need to get them involved an also file a complaint against the bank too....go on Google and search for "Complaint against my bank" and see if you can get the forms there....I would do that only if you get no satisfaction from your Congressman/woman and the OCC.

Feb 08, 2013 11:43 AM #91
Roger D. Mucci
Shaken...with a Twist 216.633.2092 - Euclid, OH
Lets shake things up at your home today!

How awful.  You and your husband are in my thoughts and prayers.

Feb 08, 2013 11:57 AM #92
Tammy Lankford,
Lane Realty Eatonton, GA Lake Sinclair, Milledgeville, 706-485-9668 - Eatonton, GA
Broker GA Lake Sinclair/Eatonton/Milledgeville

I don't personally know of ANYONE who has actually gotten a loan modification.  I just keep hearing stories just like yours.  Makes me so angry.  You are in my prayers.

Feb 08, 2013 12:03 PM #93
Patricia Kennedy
RLAH Real Estate - Washington, DC
Home in the Capital

Gail, wow.  Just wow.

Bank of America has never been one of my favorite lenders, but after reading this I am determined to never ever send them another of my clients.  Big hugs to you and your husband. 

Feb 08, 2013 12:04 PM #94
Carla Muss-Jacobs, RETIRED
RETIRED / State License is Inactive - Portland, OR

#79 . . . oh PLEASE!  Talk about being a little smug. 

Gail, my heart goes out to you and your husband.  Real estate agents are not immune to "life" and the slings and arrows of outrageous fortune.  I re-blogged and wish you the best.  The Loan Modificaion program was enacted in Feb. 2009 y our government to ASSIST homeowners in your situation.  I cancelled my B of A accounts many years ago.  I'll NEVER bank with them.

Feb 08, 2013 12:05 PM #95
Kent Simpson
Realty One Group Mountain Desert - Tucson, AZ
Real Estate Is About People

Gail, I don't know what to say other than "Hang In There" - BofA continually finds new ways to sink to historic lows.  I'm sending a copy of your blog not only to your congressman, but to the entire House Finance Committee.  


#79 - Joey - dude, you're doing a crap job of marketing when you don't show heart.  By the way, you don't list Financial Advisor, CPA or Attorney as your qualifications - giving opinions like the one you did might get you sued and/or prosecuted.  THINK, Marketing Man, THINK.

Feb 08, 2013 12:11 PM #96
Wayne Johnson
Coldwell Banker D'Ann Harper REALTORS® - San Antonio, TX
San Antonio REALTOR, San Antonio Homes For Sale

Gail-I'm so glad some of the ActiveRainers have some specific tips that you may be able to use to protect your position. I hope you are successful and that you and your husband will find peace and comfort in knowing so many wish you well.

Feb 08, 2013 12:13 PM #97
Stacey Mayer - Everett, WA

One of my busiest Twitter friends just reposted this. *yipee!*
"Faith preceeds the miracle", so I'll just have faith.


Feb 08, 2013 12:13 PM #98
Brenda Mullen
RE/MAX Access - Schertz, TX
Your San Antonio TX Real Estate Agent!!

Oh Gail..I am so sorry for all of your troubles. Wow...well, it's not too unbelievable to me coming from BOA....sad. Of course I will reblog and tweet.  

By the way, have you tried the BOA twitter acount too for help?  Post this on their site and see what happens lol :)!

Off to reblog.  

Feb 08, 2013 12:25 PM #99
Dawn Maloney
RE/MAX Trinity Northeast Ohio Real Estate Specialist - Hudson, OH
330-990-4236 Hudson & Northeastern Ohio

Gail, I want you to get your miracle. It took us four years and five tries to get our loan modification, and it was one of the hardest things I have ever done. I know this is possible, it just needs the right person to pay attention. There is no reason you shouldn't get this done. Reblogging this now, and I've tweeted @BofA_help and DM'd them. By Monday, someone should be reaching out to you with all these people respondiing on your behalf. God bless you and your husband. ♥

Feb 08, 2013 12:25 PM #100
John McCormack, CRS
Albuquerque Homes Realty - Albuquerque, NM
Honesty, Integrity, Results, Experienced. HIRE Me!

#79 read the post again......

Feb 08, 2013 12:27 PM #101
Connie Harvey
Pilkerton Realtors - Brentwood, TN
Realtor - Nashville TN Real Estate
Gail, God bless you! Not only will I reBlog this, I will send this to all my prayer warriors! We will get their attention!
Feb 08, 2013 12:28 PM #102
Shar Sitter
Rooms With Style - Minneapolis, MN
Home Staging and Redesign Minneapolis/ St. Paul, M
I will be praying for you and your husband. I have Tweeted and will Facebook and reblog
Feb 08, 2013 12:32 PM #103
David Garofalo
Carolina4Sale - Salisbury, NC
Let's get you home.


Here is the link to WTNH TV's web page to reprot news.

I don't know what AR rules are for links in comments but suspect I'm OK here.

I would call WTNH or WFSB.


Feb 08, 2013 12:33 PM #104
Pam Miller
Realty Associates - Friendswood, TX
Broker Associate - Pearland/Friendswood

Gail - I will re-blog and tweet your post.  My thoughts and prayers are with you.  This is a new low - even for BOA!

Feb 08, 2013 12:38 PM #105
Joni Bailey
101 Main St. Realty - Huntsville, TX
Your Huntsville / Lake Livingston Area REALTOR®

Heading out to reblog, tweet directly to  @BofA_help , Google+, facebook, etc. But most importantly... I will pray!! What you need right now is a miracle, and I am so thankful to know the one who is in the miracle making business!

Feb 08, 2013 12:46 PM #106
Andrea Bedard
Thompson Company, REALTORS® - Silver Spring, MD
M.A.; REALTOR® Silver Spring, MD and beyond

Gail, my heart goes out to you and your husband. You are in my thoughts. I have shared your post on Google+ and Facebook.

Bank of America should be ashamed.

Feb 08, 2013 12:47 PM #107
Leslie Ebersole
Swanepoel T3 Group - Saint Charles, IL
I help brokers build businesses they love.

Gail, you are a courageous woman to have written this post.

I don't know what say right now. I'll come back. 

Feb 08, 2013 12:48 PM #108
Ann Samuelson
Suntree Inc. - Astoria, OR


This is the last thing you need to be dealing with under the circumstances.  Call your Congressperson asap, all of their offices, they likely have more than one.  Make sure you get the name of who you talk to, and don't stop calling until you are talking to someone who has a heart you can touch.  I am committed to sharing your post, and your story, this is appalling...

Feb 08, 2013 12:51 PM #109
Dawn A Fabiszak
Private Label Realty ( Denver metro area, Colorado - Aurora, CO
The Dawn of a New Real Estate Experience!
Gail ~ You have gotten so many responses here. I love the support and knowledge here in the Rain. I'm sending you my prayers and virtual hugs. I will also re-blog.
Feb 08, 2013 12:53 PM #110
Ellie Penaranda
239.776.5077 Downing-Frye Realty - Naples, FL
Naples Florida Real Estate - Waterfront & Beach Co
Gail, you have some good advice here... do your part and we will do ours... my heart and prayer with you. Like you I am always wondering were that settlement money went.
Feb 08, 2013 12:53 PM #111
Janeen Sanchez
Gail, you definitely need to contact your state representatives. I will be praying for your family!
Feb 08, 2013 12:57 PM #112
Melissa Grant
A Serendipity World - Greenbackville, VA
The Law of Attraction In Life & Business

I am so sorry that you are going through this. The Bank has done the same thing to my grandmother. She/We have sent everything in over and over and over again. They even started calling 2-3 times a week where my grandmother told them it was borderline harrassment. All for the same thing - cliaming they didn't receive paper work, saying they were putting the house in foreclosure for her non compliance. My grandmother died last week. She died, fighting FOUR Years for a modification. She's gone now. Sad.

Feb 08, 2013 12:57 PM #113
Liz Murray
Renaissance Home Staging & Redesign - Chandler, AZ
Professional Home Stager

Okay,   I HAVE TO TELL YOU THIS.   A person who I worked with, formerly worked for BOA, and went through all kinds of paperwork, and ended getting tit foreclosed on....  Their office was literally across the street from her, and messed up!  BTW she is now part of a class action lawsuit over this mess.

.....Now, I'll tell you another good one. My neighbor had her home with BOA, formerly Countrywide .   She moved out about 3 + years ago.  She filed for bankruptcy and gave them her house back.  She tried to get a loan modification, but  they told her she had to be in default several months, ..which she wasn't.   So she was hoping the bankruptcy would get rid of the place.  GUESS WHAT, they NEVER foreclosed on her own, and as a result the HOA continued to go after her for pass HOA dues, even though she had put the home into her bankruptcy, and thought it was no longer her responsibility.  

After 2 years of fighting with the HOA, a judged forced the HOA to foreclose on the house to get it our of name. My HOA now owns a house, that should be BOA's.   That's right.   It cost her almost 10,000 bucks to fight the HOA for house she never lived in, but still had the deed in her name.

BOA of now calling her numerous times to claim they would like to work out something because they do not want the house back!  Seriously!  She's been telling these morons she  no longer owns the house.  

So here's what I have to say, ...if they aren't consistent in their foreclosure process, then are they discriminating in terms of debt collection, and as I told my former neighbor,  Don't move just yet! She could have lived here for the last 3 years, rent free because of the BS BOA has messed up on. 



Feb 08, 2013 01:02 PM #114
Gayle Rich-Boxman Fishhawk Lake Real Estate
John L Scott Market Center - Birkenfeld, OR
"Your Local Expert!" 503-755-2905

Gail, I found this on Tammy Lankford's re-blog.

I would like to re-blog this tomorrow. And then I will hit my share FB button! It absolutely TURNS MY STOMACH that corporate America is so damned stupid and greedy.

 (BOA AND Wells Fargo can go shove it--they will never get my business. And I even contacted the CEO of Wells Fargo and told him that. He e-mailed me back, but it still didn't change my mind one iota).

You are going through a living hell and they are putting the final nail in the coffin. Gail, good for you for telling your story and we all rally around you!

Feb 08, 2013 01:03 PM #115
Doug Rogers
Bayou Properties - Alexandria, LA
Your Alexandria Louisiana Agent

God bless your family. I re-posted this as well.

Feb 08, 2013 01:06 PM #116
Yolanda Hoversten
Berkshire Hathaway HomeServices Elite Properties - O'Fallon, IL
Broker - O Fallon, IL Real Estate
Gail - best of luck to you and your husband. Reblogging.
Feb 08, 2013 01:14 PM #117
George Souto
George Souto NMLS #65149 FHA, CHFA, VA Mortgages - Middletown, CT
Your Connecticut Mortgage Expert

Gail, you have gone through more than you share of trials in the past 2-3 years.  I wish I could help, but at the very least I will re-blog in hopes that BofA wil reconsider their decision.

Feb 08, 2013 01:15 PM #118
Tammie White, Broker
Franklin Homes Realty LLC - Franklin, TN
Franklin TN Homes for Sale

Gail, I haven't read all the comments but I see some great suggestions here. I think it is terrible that Bank of America (BOA) would throw a very sick man, possibly at the end of his life, out of his home. Definitely will re-blog.

Feb 08, 2013 01:17 PM #119
Jon Zolsky, Daytona Beach, FL
Daytona Condo Realty, 386-405-4408 - Daytona Beach, FL
Buy Daytona condos for heavenly good prices

Gail - I knew that they will not approve the loan modification. Doesn't matter why, they just wouldn't. It is very common. I do not want to go in speculations why, but this was the reason I wanted to try to organize AR community to get you some relief and, ideally save it from losong, even though I know that this is a tough call.

I know that you have submitted everything they asked for. We do get this crap on many short sales, when we would send everything they ask, and then get a denial claiming they have not received the documents.

of course, I am reblogging it.

Feb 08, 2013 01:17 PM #120
Les & Sarah Oswald
Realty One Group - Eastvale, CA
Broker, Realtor and Investor

Gail, sorry for all that you are going through. Reblogging this one. B of A needs to come clean and stop hidding behind the excuse that paperwork are not being submitted.

Feb 08, 2013 01:21 PM #121
Gail Robinson
William Raveis Real Estate - Southport, CT
CRS, GRI, e-PRO Fairfield County, CT

Marte - Bless you!

Richard - That was very kind of you.  I think they will only care if this becomes a social media crusade, unfortunately.

Karen - My HUD counselor is in touch with the loan modification people.  They are the ones who keep asking for new paperwork.  It's in foreclosure because they just won't approve a loan modification.

Lyn - Isn't it the Attorney Generals who agreed to the Mortgage Settlement?

Kristen - That's my only hope at this point.  That and the print/television media.  Thank you.

Susan - Thanks we'll take all the prayers we can get at this point.

Elizabeth - If they are going to foreclose it would be nice of them to forestall the foreclosure summons during his time in hospice, but they really should just do a loan modification.  I will definitely keep everyone up-to-date.

Stacey - All that paperwork does take time away from my husband.  It's amazing how much time I've spent over the last three years on loan modification paperwork.

Melissa - It would be the humane thing to do under these circumstances.

Sheila - My senator has been very responsive with phone calls.  There is no need for me to go there.  I prefer to be with my husband right now.

Linda - They will contact me.  Just watch!  That's the magic of social media.

Christie - Yes, I've been documenting everything.  I have a six-inch notebook.

Jeffrey - Thank you for your phone call.  

Christine- I appreciate that!

Lorrie - An actual contact would be good.  

Lisa - Yes, we can!

Steve - Logic would suggest that they do a loan modification as I bought at the peak and they could never sell the home for even half of what I paid.  Compassion is out of the question, I suspect.

Denise - The media will contact me, if we do this right.

Scott - Thank you.  My husband could use the prayers right now.  I guess I could too, to have the strength to help him through his illness while fighting foreclosure.

Laura - I go with the flow, but sometimes that flow is to stand up and fight.  I think that's what I'm supposed to do.  There are so many others besides myself in this predicament.

Stacey - BOA and other lenders are going to experience the kind of backlash you are talking about.  Their greed has gone too far.

Ed - I know, and I think our choir is going to make a noise that will be heard in BOA's corporate offices.

Corinne - The CEO's office has a social media group, but they don't do much.  Someone named Steve Fox called me about a year ago from there, but now he doesn't return my calls.

Lottie - Thank you.

Andrea - I hope something good does come out of this, not just for me, but for others in this same situation.  It's beyond stupid!  It's evil!

David - Thank you, I appreciate your kind thoughts.

Beth - Prayers have taken us this far.  Thank you.

Kristine - I've done all I can do.  I've been working on this for three years and now they are going to send the foreclosure summons.

Kathleen - I believe it will be escalated with so many ActiveRainers blogging, Tweeting, etc.  It's a shame that we have to do this to be heard.

John - The really crazy thing is that I have the income to qualify for a loan modification and virtually no debt!

Kathy - I know it is common place.  If I wasn't so obsessive-compulsive, I could believe I missed a bit of paperwork, but my HUD counselor double checked and I triple checked.  Everything they asked for was provided.

Janna - Thank heavens this is a judicial foreclosure state.  I can't imagine they will have a case for not doing a loan modification.  What a shame that the only way to get one is to go to court and have the judge lay down the law on BOA!

John - I'm so sorry.  Are you in a judicial foreclosure state?  In Connecticut, the judge is effective 80% of the time in helping to get a loan modification approved.  What did the lenders do with that Mortgage Settlement money????  Why can't people get loan modifications?

Deborah - I so appreciate that!  Thank you!

Lynn - I'm so tired right now.  After helping my mom and then my dad through the end of their lives while dealing with my husband's illness.  I don't feel amazing, but I will fight the good fight, because I hate unfairness.

Michelle - The media will pick this up.  

Sheri - I was contacted by Steve Fox of BOA about a year ago, but he doesn't even return my phone calls now.  I think they assume that these things appear on social media and is then forgotten.  

Lynn - I'm a pretty strong person and I will put up a good fight, but it's wonderful to have my AR friends by my side helping me.  Without that, I'm just one small person and BOA wouldn't care.

Julie - Thank you for your kindness and support.

Jennifer - I'm thinking national media, myself.

Ellie - The support of AR is amazing, isn't it?

Ricki - Thank you.

Joey - Put yourself in my husband's shoes, if you were dying wouldn't you want to be in your own home? This is not the time for us to be packing and moving.  I couldn't do it.  That would break me.  It's the time for my husband to be surrounded by people who love him in his own home.

Anita - Thank you.  I would not have reached out if I wasn't completely desperate.

Cindy - I'm leaving the comment there.  I think it speaks for itself in its insensitivity. 

Emmary - LOL

Karen - Thank you so much!  






Feb 08, 2013 01:23 PM #122
Jane Peters
Home Jane Realty - Los Angeles, CA
Los Angeles real estate concierge services

This is terrible, Gail.  I tweeted it out and will reblog it.  Anything that will get the attention of the powers that be.  I have a feeling they will get the message.  I hope they do.

Feb 08, 2013 01:27 PM #123
Sussie Sutton
UTR Texas Realtors - Pearland, TX
UTR TEXAS Realtors - Rep for buyers and sellers.

Gail I re-blogged this today. No need to answer me you have had enough to answer already.

I do think that you should write the president of the united states and see if he can help you. After all, the suits up there gave the banks all that bail out money. So the question is who are they bailing out?

Just where did that bail out money go? Who is auditing the distribution of those funds? I bet the money  didn't all go to any home buyers in distress. 

Feb 08, 2013 01:41 PM #125
Mark Geis
Coldwell Banker, Mulleady, Inc. Realtors - Eagle River, WI

Facebooking this now..   Gail, the scum always rises to the surface, it just takes time.  My prayers and thoughts go out to you, your husband and your family.   

Feb 08, 2013 02:00 PM #126
Pete Xavier
Investments to Luxury - Pacific Palisades, CA
Outstanding Agent Referrals-Nationwide
Gail, I'm with you in thoughts, prayers and more. Had some not so good dealings with B of A in the past myself. We hope for a brighter future always.
Feb 08, 2013 02:06 PM #127
Christine Donovan
Donovan Blatt Realty - Costa Mesa, CA
Broker/Attorney 714-319-9751 DRE01267479 - Costa M
Gail - you have been so strong through all of this. I hope that your social media crusade brings you results. I have reblogged.
Feb 08, 2013 02:14 PM #128
Gail Robinson
William Raveis Real Estate - Southport, CT
CRS, GRI, e-PRO Fairfield County, CT

Paula - You always know what to do.  I'll give that a try.  Sounds promising!

Janis - We'll see if BOA is listening.  If they aren't I suspect the media is!  

Praful - That's the game!  We tell you what we need and then we don't tell you if anything is missing and then we say so sorry, you missed one little thing, but we don't have to tell you what it is.  Hah hah, you lose your home!

Karen Anne - Elizabeth Warren is an amazing person.  I've admired her for a long time.

Sharon - I did the QWR and I've got the documents.  They refiled documents twice in Land Records after that to get all their ducks in a row for a foreclosure.  In my state there is unfortunately a law on the books that states that the Servicer doesn't need produce the note or prove the accuracy of their records.  It's an unfair law and I've tried to get it removed, but it keeps getting tabled in committee.

Jon - Well, it's not a waste of words to share my plight with my AR friends who give me encouragement and support given my situation with my husband.

JeFreda - We need to start a movement!  There are too many of us in this situation and they have all that money from the Mortgage Settlement and aren't using it to help people get loan modifications.  I'm so sorry you are going through this as well.

Paula - I looked at my notes and apparently I did send a letter to the OCC at least a year ago and I did file a complaint against the bank, but I heard nothing back.  That was at least two years ago.

Roger - Thank you.

Tammy - I know a couple of people who got them, but it's like winning the lottery!

Patricia - I don't know why they want to cultivate such a negative image, but they've done it.

Carla - I would say BOA has lost the support of the real estate community.

Kent - I don't think Joey even read the post, just the headline and just wanted to market himself.  I'm leaving it up there because he needs to learn how to act in our community.

Wayne - Thank you.

Stacey - You are a woman of action!  Thank you.

Brenda - I think there are a number of Tweets of this posts now, so let's see what happens.

Dawn - I believe in miracles.  My husband is still alive because of them.  I'll report back on Monday.

John - He needs to read it for the first time.  LOL

Connie - Prayer warriors, wow!  Thank you!

Shar - I really appreciate that.  I know it will do some good!

David - I suspect the media will contact me.

Pam - Well maybe they are aiming low.  We'll see.

Joni - Yes, I need a connection with someone higher up than BOA right now.  Thank you!

Andrea - I don't know that BOA feels shame, but it would be nice if they realized they are being illogical or unfair.

Leslie - Don't mistake desperation for courage.  LOL

Ann - I need to call Congressman Himes office again.  They've been very helpful.

Dawn - I feel so supported on AR.  As I said this is my AR family.  I love you guys.

Ellie - My understanding is that if they don't spend it on loan modifications and the like that they have to give it to the federal government.  Would they really rather do that?

Janeen - Yes, I have to contact them again.

Melissa - That is heartbreaking!  I'm so sorry!

Liz - They would have to carry me out in a pine box right now.  I'm not moving while my husband is this ill.

Gayle - It must be stupidity and greed, because it's not logical and doesn't make business sense.

Doug - Thank you.

Yolanda - I appreciate it.

George - That's courageous of you to do so as you are a mortgage broker and must deal with them!  Wow!

Tammie - He's absolutely at the end of his life.  No one lives to Year 5 with Stage IV adenocarcinoma.

Jon - I know you wanted me to publicize this long before now, but I was hoping to avoid being the poster child for failed loan modifications.  So be it!  Thank you, my friend for your ongoing support.

Sarah and Les, They don't care, trust me.  This will be tried in the court of public opinion on the social media stage.  




Feb 08, 2013 02:20 PM #130
Bob Crane
Woodland Management Service / Woodland Real Estate, Keller Williams Fox Cities - Stevens Point, WI
Forestland Experts! 715-204-9671

Hi Gail, I am so sorry to hear of this outrage, I will pray for you and your family and pass this blog along.

Feb 08, 2013 02:24 PM #131
Jackie Hillen
Melson Realty - Porterville, CA
Tulare County ~ (559) 999-8088

Shame on BOA - they are not listening to the customers that are trying, and want to save their homes. They continually ask for the same documents, then claim they were never received.  After hearing Gail's story, and her desire to work with them, they should not be making her jump through hoops, they should be saying, "how can we help".


The business side of me says BOA - why would you not try and make this mod work - you will make money off all your fees and interest for many years, and you would have a loyal customer that appreciated you working with her in a time of need.


Gail, I will repost your blog everywhere in the hopes that someone will hear your story and help. Please know that my thoughts and prayers are with you and your husband during this difficult time.


Feb 08, 2013 02:31 PM #132
Marie Graham
Owner, The Refreshed Home White Plains NY - White Plains, NY
Westchester County Interior Decorator, Home Stager

Sending you and your husband love. Re-blogged and FB'd. Love to all AR pals, too, who are making some noise.

Feb 08, 2013 02:35 PM #133
Frank Castaldini
Compass - San Francisco, CA
Realtor - Homes for Sale in San Francisco
It amazes me that the banks cannot seem to make these loan modifications happen when one of the reasons they were bailed out was so that they could work with their customers and help them keep their homes. Sadly this is impacting you at a time when a loan modification would make so much difference for everyone include a good public relations story for BOA. I hope they hear these messages.
Feb 08, 2013 02:53 PM #134
Jeff Dowler, CRS
Solutions Real Estate - Carlsbad, CA
The Southern California Relocation Dude


I haven't read all the comments before wiriting but I will go back and do so.

This is a sin, and a very sad commentary on the state of the banking industry and the continued failure on their part to do anything that remotely resembles aid to the consumer. The loan mod system is a total  joke, and this is just one more example. I, too, wll reblog this and do what I can to help spread the word.


Feb 08, 2013 03:12 PM #135
Jordon Wheeler
The Jordon Wheeler Group - Fairburn, GA
J W Group Real Estate Sales and Service

Hi Gayle,

You and your husband are in my prayers as well!  I pray for a peaceful resolution to this who mess.  He will make a way of peace for you!

Feb 08, 2013 03:28 PM #136
Debbie Gartner
The Flooring Girl - White Plains, NY
The Flooring Girl & Blog Stylist -Dynamo Marketers

OmG Gail, this si so awful and I'm so sorry.  Shame on BOA.  I shared this on G+ last night (and it got shared 3 more times from there).  I'll reblog in a sec...that would make 80 reblogs.  I love the support of this community.

Feb 08, 2013 04:03 PM #137
Brian Rayl
Home Value Leads - Highland Park, TX
Active Agent and Co-founder Of Home Value Leads

Gail, it has been reblogged and I will also share it on Twitter and Facebook and tag BofA in those posts. Let's see if we can get some attention on it. Have you considered going to your local media? 

Feb 08, 2013 04:54 PM #138
Cheryl Gradek

The exact same thing happened to me, here in Sparks, NV. My lawyer & I took them to Justice Court and they got off on a technicality. The truth is… BofA wants to foreclose on people. Many loans start from smaller banks before BofA buys them up. They come with insurance backed by the government. So they are going to get their $400,000 from your loan, PLUS the amount it auctions for. They are blatantly screwing people out of their homes. Here is my story...
Bank of America: Stealing People’s Dreams
I am your average American girl. Born & raised in the Bay Area, I moved to Sparks Nevada to buy a home. I relocated and found a job after a couple of months. When the economy started to crash, my hours at wor
k were cut back. I also found out that my husband was cheating on me with a co-worker while still married to his old wife in California. Naturally, I had the marriage voided due to Bigamy. Times were tough and I couldn’t afford my $2100/mo loan payment. I turned to Bank of America for a loan modification. Lowering my payments would help me keep my house and move on with my life. I applied for the first modification and was accepted. I faxed W2’s, paycheck stubs, tax returns, a hardship letter, bank statements, everything the bank asked me to do. I completed my 3 Trial Payments with them. I waited and waited for a response about the Modification and every time I called, they told me it was “in review” or “in underwriting”. Several weeks later, I was told the modification as accepted and the final papers would be mailed Fed-X for me to sign & return. I waited again, following up with several departments, only to be told the status was “in review”. B of A representatives told me to wait a week longer for the papers to show up. A week went by and the papers never showed. I called to have them re-sent. The lady told me that the modification was cancelled because I failed to return the signed documents. I asked again for a copy of the papers and I was informed that I would have to start the long process all over again. Sitting at my desk at work, I cried. It was such a frustrating process, being transferred from the Hope Department, The Home Retention Department, Customer Service Department, etc. etc. Meanwhile, I was paying as much as I could toward the mortgage. The next thing I know, they stopped talking my payments. My house was officially in foreclosure status. I was devastated. I started the entire Loan Mod process again. The story doesn’t only gets better….
I resubmitted all of my financial info. I mailed them and faxed them. This time, things were different. I was going to document every conversation and date with B of A. Pay close attention to 09-13-10. Here is the time-line of events:

04-06-10 Loan Mo
d trial payment $1910.62 Completed 3 trial payments
?? Loan Mod Accepted, Fed-X envelope never showed up. Was informed Mod was cancelled/have to start over.
05-18-10 Verbally re-submitted financials missing from their computers
05-23-10 Faxed all financials
05-25-10 Called to verify receipt of faxed financials. Talked to Lauren. Papers received. They are in review. 
Was told to call in 2 weeks to check status.
06-04-10 Referred to MHA (Making Homes Affordable) Dept. 1-888-325-6435 
MHA has NO PAPERS or info in their system. I was referred to HOPE Dept. 1-877-202-2830
?? Mailed all docs/financials in supplied Fed-X envelope
06-15-10 Called for status: In work-out review, told to call in 2 weeks
07-22-10 Called for status: Referred to Home Retention Dept. 888-325-6435
Called Home Retention. Doc’s received 07-14-10. 
Message on my home machine: They said Doc’s are incomplete. They need my 2009 Tax Returns. 
Loan pushed into foreclosure.
?? Called about missing Tax Returns. They have them in the computer and will Excelerate the Loan Mod. (31684 Order I.D. #)
Informed me that a Sale Date was assigned.
07-27-10 Talked to Dana. Advised me to call Foreclosure Postponement Dept. Called them. They put in a request to postpone the Sale date
07-30-10 Called Postponement dept again. Postponement from the 27th is not in the computer! Agent will Re-request it.
08-10-10 Called for status on Postponement: Agent advised they are still waiting on Fanny Mae. No postponement.
Also called MHA Dept. to check status of modification. I was transferred to the Foreclosure Dept. 
They said on 08-09-10 Docs were assigned to Underwriting for review.
08-12-13 Called Postponement Dept for Status: till no postponement, was told that sometimes the investors wait until the last minute.
08-13-10 Called for Status: Talked to Floyd: Postponement approved! Was advised the postponement is only good for 30 days.
I need to call before sale date to postpone again. Sale date suspended until 09-13-10
08-16-10 Called for Loan Mod. Status: It’s in Underwriting, was told to wait.
08-26-10 Called for Loan Mod. Status: Same.
09-07-10 Called for Loan Mod. Status: Girl said it was in suspense. Nothing being done. She will expedite the Loan Mod.
Was transferred to the Postponement Dept. to suspend the Sale Date. Agent put in for a postponement. Told to call 09-13-10
09-12-10 Called to check status of postponement: still no postponement. Loan Mod. needed to be expedited again.
09-13-10 House sold. Purchased by auction on front steps of court house: Buyer James Zaczheo
09-15-10 Called to ask about relocation assistance: Talked to Angela: said there are notes in the computer that will benefit me.
She placed me on hold because she needed to talk to the Foreclosure Dept. 
I was transferred to Ray in Foreclosure. He advised me that the postponement was approved on 09-14-10. 
He admitted this was a huge mistake by BofA and would escalate this to a Team Manager. He said the account is still being 
reviewed for a modification and they will try to reverse the sale date. He said the Manager will put notes in the computer by 9pm 
telling me what to do. I should call the next day.
09-16-10 Called the number I was given 1-800-262-4218. Agent had no info
I was transferred to Home Retention Dept. 1-866-422-5871 agent has no info
I was transferred to Foreclosure Dept 1-888-284-4978 talked to Latrinda she had no info
I was transferred to REO Dept. 805-520-5207 voicemail said “mailbox is full” and transferred me back to General BofA #
Called in Afternoon: Talked to Sue. She told me she could see the postponement was sent 3 times. Transcripts go back as far as 
March 2009. I could call 1-800-669-6607 and get transcripts faxed to me of all notes in my file. 
She advised: There are no new notes from a Team manager. She could not tell me what to do.
09-17-10 Talked to Tenishia. She advised I would have to fax a letter requesting the transcripts to the legal dept.
My house was gone! I was devastated and angry. How could a company do this to people? It’s happening all over the place. I must also add the very important fact that every representative I talked to assured me while in a Modification, my house would not be sold or foreclosed. This was a blatant promise and I felt the misrepresented themselves on several occasions. The only thing I could do was to consult an Attorney. They agreed to take on my case on a contingency basis. Meaning, if we don’t win, they don’t get paid. All the correct papers were filed, and it was another waiting game. We had to wait for them to respond. We had to wait for them to file an opposition. We had to wait to get into court. The day came for us to argue against the dismissal of the case. We had multiple claims against them from Misrepresentation to Gross Negligence. The judge sat on his bench completely devoid of any emotion or insight. He threw the case out because of a 90 day statute. We had 90 days to file this modification in court and had gone over that time. I guess he didn’t stop and realize that one of our many claims was for misrepresentation (being lied to) and the statute on that is 2 years. He didn’t care. The 2 cases before mine were also thrown out. I tell ya people, they are trying to get these things cleared out of the court system as fast as they can with no regard to the fact that this major company is lying and cheating people out of their dreams. My lawyer and I walked out of that court room with our heads down. During his statement, the judge admitted we had an excellent case, however we had gone over 90 days. (For that ONE claim). I have lost all faith in our Justice system. I have been let down by a system that says they want to help people. Betrayed by a powerful company that is above the law. I had agreed to stay quiet about this matter with Bank of America during litigation, however now my silence is broken. I am an average American girl who had hopes and dreams that were destroyed by a corrupt company. I can only pray that people will pull their money out of that bank and transfer loans to ethical lenders. I don’t want this to happen to anyone and it’s time that Bank of America become accountable for their actions. Thank you for reading my story.
Cheryl Gradek, Sparks NV

Feb 08, 2013 05:04 PM #139
Nancy Laswick
United Real Estate - Phoenix, AZ
Your REALTOR® For The Valley Of The Sun

Gail, you and your husband are in my prayers, I can't imagine the stress you are feeling right now. I have re-blogged your original post with the following introduction:

When a large corporation like BOA decides to deal unfairly with one of it's customers it may seem like there isn't much that can be done about it but that's not true.

There is strength in numbers and even corporations as morally bankrupt as BOA don't like bad press and they don't like loosing customers. I closed by business account at BOA more than three years ago but that's a story for another blog post.

I encourage you to re-blog Gail's original post. Share her original post by tweeting a link or sharing it on your Facebook page, Google+, LinkedIn and any other social media you can think of. We may not be able to help all of the people that BOA has dealt with unfairly but we can help Gail with a few keystrokes and a few mouse clicks... that's not too much to ask is it?

Feb 08, 2013 05:23 PM #140
Tanya Van Blake-Coleman
Van Blake-Coleman Realty, St. Thomas/ - St Thomas, VI
Improving the Quality of Your Life

I have heard about these banks that took the bail outs and now will not do the modifications. Clearly it is more profitable for them to foreclose.

This on top of the stress of your husband's illness. They say we are never given more than we can handle but combinations like this make you wonder. It seems weak, but hang in there. My mantra in these moments is, "this too shall pass".

I am happy to re-blog, tweet and whatever else I can. I wish I could do much more.

Feb 08, 2013 06:25 PM #141
Ed & Tracy Oliva
West USA Realty - Arizona - Fountain Hills, AZ
The Oliva Team Arizona Agents

Gail: this is a bunch of crap!!!!! I would not aloud B.O.A. to get away this,  Please go to the states attorney office as well to a good attorney and the news media, Don't let them push you around.   God Bless.    E

Feb 08, 2013 06:46 PM #142
Joe Petrowsky
Mortgage Consultant, Right Trac Financial Group, Inc. NMLS # 2709 - Manchester, CT
Your Mortgage Consultant for Life

I have seen this story told too many times. I have been contacted by many folks, that the B of A's of this world have done and played with their lives. I have recommended to all of them, contact your local Congressman and one or both Senators and put them to work. In most cases they have been able to get to the right person to get the modification accomplished. Feel free to call me.

Our prayers are with both of you and your husband.

Feb 08, 2013 07:13 PM #143
Dorie Dillard CRS GRI ABR
Coldwell Banker United Realtors® ~ 512.750.6899 - Austin, TX
Serving Buyers & Sellers in NW Austin Real Estate

Good morning Gail,

I'm sick over this whole story. Please follow what Joe has said and call him..if anyone can help I feel Joe can! My prayers are with you and your family.

Feb 08, 2013 07:27 PM #144
Amy Hahn
Pine Knoll Shores Realty - Morehead City, NC
Realtor/Broker - Crystal Coast, NC

Gail - So sorry you are going through this and praying for you and your husband.  Tweeting, google+ing, sharing on facebook, reblogging and anything else I can think of!   

Feb 08, 2013 07:34 PM #145
James Dray
Fathom Realty AR LLC - Bentonville, AR
Exceptional Agents, Outstanding Results

I follow certain agents and the last three had re posted this blog.  I haven't read all the comments but we are united in one voice. 

Feb 08, 2013 07:35 PM #146
Mary Yonkers
Alan Kells School of Real Estate/Howard Hanna Real Estate - Erie, PA
Erie/PA Real Estate Instructor
Gail, my heart is bleeding for you, your husband and family. Unfortunately entries like BofA have no heart. I will re- blog, too.
Feb 08, 2013 07:41 PM #147
Gita Bantwal
RE/MAX Centre Realtors - Warwick, PA
REALTOR,ABR,CRS,SRES,GRI - Bucks County & Philadel

Gail, You and your husband are in my thoughts and prayers. I hope B o A will reconsider and help you.

Feb 08, 2013 08:12 PM #148
Bryant Tutas
Tutas Towne Realty, Inc and Garden Views Realty, LLC - Winter Garden, FL
Selling Florida one home at a time

Hi Gail. So sorry this all happening to you. I know it doesn't help but one reason lenders rarely modify loans is because they make more money via short sale or foreclosure. Why? Mortgage insurance. MI does not pay out on a loan mod. Foreclosure or short sale pays out 20% to 30% of the original mortgage amount.

Having said that you can try:

***Need Help? Try TWITTER HELP:




For TWITTER Do not place LN# or borrower name in the message. Just a brief: 'Need help with a HAFA short sale" will suffice. Make sure to mention short sale. Also, each file should to be a separate tweet. If you have issues with 4 files then send 4 tweets. They will respond very quickly.

Let me know if I can help in any way.

Feb 08, 2013 08:23 PM #149
Bob Ratliff
Robert Ratliff Realty - San Antonio, TX
"Sold with Bob"

Gail, thank you for posting this blog, first of all I would like to say I'm sorry to hear about your husbands illness and I wish him a full recovery.

I'll be re-posting this and hope BOA will see how crazy not to try and help out home owners, I had a client yesterday that has been waiting and not knowing what to do? Good luck

Have a warm and wonderful weekend.

Feb 08, 2013 08:26 PM #150
Toni Weidman
Sailwinds Realty - Trinity, FL
26 Years Selling Homes in New Port Richey, FL

Gail, this is terrible. Our prayers are with you and your husband. I'll be reposting this and hope that a better solution comes out of it for you both.

Feb 08, 2013 08:34 PM #151
Gabe Sanders
Real Estate of Florida specializing in Martin County Residential Homes, Condos and Land Sales - Stuart, FL
Stuart Florida Real Estate

Gail, this is horrible.  I will re-blog and try to get others to help out.  Hopefully we'll be able to help.

Feb 08, 2013 08:42 PM #152
Gloria Commiso
Keller Williams - Hermosa Beach, CA
Hermosa Beach
Dear Gail I read this post late last nite and I logged back on to respond this morning at 430am. It's so unsettling and I want you to know that for whatever good it will do, I will get the word out. You and your family are in my prayers. Please know that the active rain community cares about you it hurts us to know what your going through. Keep us updated please. Blessings Gloria
Feb 08, 2013 08:44 PM #153
Women of Westchester Working Together
Women of Westchester Working Together - West Harrison, NY
Women helping Women get ahead

Gail - Our hearts go out to you and your husband.  This is so sad.  We will definitely reblog it for you.  Good luck.  Your AR family is here for you.

Feb 08, 2013 08:45 PM #154
Fernando Herboso - Broker for Maxus Realty Group
Maxus Realty Group - Broker 301-246-0001 - Gaithersburg, MD
301-246-0001 Serving Maryland, DC and Northern VA

Don't give up just yet. . escalate it to the top and prepare a document with a history line of all the documents you've provided so far  as proof. . 

Google the names of the most important people from BoA and send them this as an email with that attachment 

is always their name and last name followed by for emails

Here's a few. .

T.J. Crowford.
Senior Vice President, Media Relations at Bank of America
1.646.855.3301 .

Diane Wagner
SVP, Media Relations
Bank of America
Office: 312.992.2370 
Mobile: 312.952.1756 

Ernie Anguilla 
Corporate Communications

Michael A. Jones
Sr. Legal Administrative Assistant
Bank of America, N.A.

Nastacie, Nicole
Bank of America spoke person

Brian Moynihan

Britney Sheehan
Senior Vice President of Media Relations


Feb 08, 2013 08:56 PM #155
Gary L. Waters Broker Associate, Bucci Realty
Bucci Realty, Inc. - Melbourne, FL
Fifteen Years Experience in Brevard County

I have been told by BOA loan officers how BOA has changed and is good to do business with but now this makes me believe that BOA only cares about getting new customers.  

Feb 08, 2013 09:01 PM #156
David Popoff
DMK Real Estate - Darien, CT
Realtor®,SRS, Green ~ Fairfield County, Ct

Gail I have heard this story from so many families, loan modification declined, the government really needs to step in. After reading this post I would be surprised if BOA ever gets another mortgage customer.

Feb 08, 2013 09:04 PM #157
Lisa Von Domek
Lisa Von Domek Team - Dallas, TX
....Experience Isn't Expensive.... It's Priceless!

Hello Gail,

You and yours are in my prayers, I am so sorry to hear of the truly difficult life problems you are dealing with.  Nothing that BOA does is a surprise anymore, they were never too large to fail - they are too large to succeed.

Feb 08, 2013 09:12 PM #158
Cindy Edwards
RE/MAX Checkmate - Johnson City, TN
CRS, GRI, PMN - Northeast Tennessee - 423-677-6677


This was a good shout out.  I think there is a lot of great information here and I hope you can get this straightened out.  The big dogs have showed up to help.

I would like to touch on your husband. I'm so sorry. I hope he is comfortable and I hope and pray you have lots of family and support.  You have been added to my prayer list.  There is nothing we can say to make this any better, but know you have friends out here in AR for you.

Feb 08, 2013 09:12 PM #159
Scott Fogleman
New Home Team 804-573-9592 - Richmond, VA
New Home Team

Gail- I also re-blogged, facebooked, and tweeted.. Our thoughts are with you and your husband. I hope B of A will reconsider their position and find a way to help you...

Feb 08, 2013 09:12 PM #160
Raymond E. Camp
Howard Hanna Real Estate Services - Ontario, NY
Licensed Real Estate Salesperson Greater Rochester

Good morning Gail,

First a prayer to you and your husband.

I wish you the best with the confrontation with "BOA"

It is too bad a majority of the people have to play by the rules and the rest as to how they feel that day.

Make yourself a great day.

Feb 08, 2013 09:14 PM #161
Peggy James
EXIT Realty Associates - Woodbridge, VA
Woodbridge Virginia Area Real Estate Specialist are a corageous woman. Your plea for help for your own situatiion, may just have the power to help a lot of other folks as well. I admire  you!  

BOA has the power to help...they are just opting not to.

I can't imagine how you are holding up. You must be frazzled and on your last nerve, tired, at your witts end knowing you must do it all alone. Fighting the bank, protecting your home, your husband and run a business. Don't move. The worst thing that could happen is you move and that home you love is left to the elements, vacant and then you would have to foot the bill later. STAY PUT.



Feb 08, 2013 09:21 PM #162
Sally K. & David L. Hanson
EXP Realty 414-525-0563 - Brookfield, WI
WI Realtors - Luxury - Divorce

Know that you have the prayers and action of AR behind you....and we will do all we can find someone who will listen !

Feb 08, 2013 09:26 PM #163
Gail Robinson
William Raveis Real Estate - Southport, CT
CRS, GRI, e-PRO Fairfield County, CT

Thank you all so much!  Tears are pouring down my face as I read the support of my AR friends!  Look at what's on Page 1 of Google for the keywords: BOA Foreclosure.  Debbie and Dave, you have amazing SEO.  Wow!  

Feb 08, 2013 09:57 PM #165
Gail Robinson
William Raveis Real Estate - Southport, CT
CRS, GRI, e-PRO Fairfield County, CT

For the keywords SHAME ON BANK OF AMERICA, Page 1 of Google.  Thank you, Debbie and Anna...

Feb 08, 2013 10:06 PM #166
Gail Robinson
William Raveis Real Estate - Southport, CT
CRS, GRI, e-PRO Fairfield County, CT

Page 1 on Google for BOA Loan Modification...

Thank you, Bobbie!


Feb 08, 2013 10:14 PM #167
Richie Alan Naggar
people first...then business Ran Right Realty - Riverside, CA
agent & author


With any luck, we may see the end of this heartless and vicious as well as indifferent organization and its beliefs....They believe that in the beginning, God created B of A.....That's not what my bible says.....



Feb 08, 2013 10:33 PM #168
Michael Setunsky
Woodbridge, VA
Your Commercial Real Estate Link to Northern VA

Gail, there is a lot of good advice here. I hope everything works out for you and your husband.

Feb 08, 2013 10:35 PM #169
Gail Robinson
William Raveis Real Estate - Southport, CT
CRS, GRI, e-PRO Fairfield County, CT

From CBS MoneyWatch on 9/6/2012 Banks Stick to Short Sales in $25 Billion Settlement Relief...

Of the $10.6 billion paid out so far, about $8.7 billion has gone to short sales. Only about $1 billion combined has gone toward mortgage modifications that reduce loan balances and refinances.


Of the five banks, JPMorgan Chase has spent the most money on first-mortgage principal reduction at $367 million, followed by Wells Fargo with $216.9 million, Ally at $111.3 million and Citibank with $54.3 million.


As for Bank of America: The company hasn't spent a dime on first-mortgage modifications that reduce loan balances for borrowers or on refinancing mortgages. Instead, they have spent $4.8 billion -- the most of the five banks -- on short sales.

Feb 08, 2013 10:35 PM #170
Than Maynard
Coldwell Banker Heart of Oklahoma - Purcell, OK
Broker - Licensed to List & Sell - 405-990-8862

Good luck with the rest of the process. Hopefully re-blogging will work.

Feb 08, 2013 10:37 PM #171
Barbara Todaro
RE/MAX Executive Realty - Franklin, MA
Marketing Agent for The Todaro Team

you have great support here, Gail.... I also reblogged this morning and shared on linked in.... you and your husband are in my thoughts and prayers.

Feb 08, 2013 10:38 PM #172
Sussie Sutton
UTR Texas Realtors - Pearland, TX
UTR TEXAS Realtors - Rep for buyers and sellers.

Gail here is a response from a friend on my Face Book.... she had a familiar experience.  Here goes...


From Denise Draper Mayberry on Face Book

Hi Ms. Sussie. I just read your post about the lady who was being denied a loan modification from her bank. I almost lost my home for the same reason. We were hit hard by Hurricane Ike and as caterers, lost all of our income for the last quarter of 2008. I won't go into all of the details but reading her story was exactly like what I went through. I tried to post on this blog to tell her what happened to me but it won't let me unless I sign up on their site and I am not a realtor. Can you post to this blog? We have our mortgage through Chase Bank and they are horrible. I fought with them for 3 long years and even went into foreclosure.

I had a friend tell me that she had a similar situation and she contacted our state representative, Kay Bailey Hutchinson. I thought what do I have to lose so I contacted her office and they had me send in a short summary of what had happened to us and the paperwork that I had filed over and over with the bank. Chase put my foreclosure on hold and almost a month to the day, I got my loan modification. Sussie, Chase had me make interim loan payments that were supposed to be for only 3 months that dragged into 1 1/2 years. All of that money went into a suspense account so we continued to accrue penalties and interest. When they finally posted these payments, almost all of it went to the penalties and interest. After being in this house for 15 years, we now owe almost as much as we did when we first got the mortgage. Please tell her to contact her state representative and get them involved. I was so amazed that it helped me and I don't think I would have gotten the loan modification if I hadn't gotten her involved. I am so heartsick for this lady and her dying husband. How heartless can a bank be!!! I did not want to post this on your post because we haven't told a lot of people what we went through and feel ashamed that we had our house in foreclosure. I think that is why so many people are losing their homes because they feel ashamed that they are in this place in the first place. Please message me back so that I know that you got this personal message. I want this lady to have every fighting chance that she can. I don't think it will help to just do the blog. I think getting someone with clot like our state rep. to contact them is the only way to go. I have the highest regard for Senator Kay BH. She will always have my undying gratitude.



Feb 08, 2013 10:54 PM #173
Joanna Cohlan
Fresh Eyes For Your Home - Chappaqua, NY
Designing, Decorating & Staging Westchester Homes

Gail, I've heard  horror story after horror story about BOA.  Your AR family gives you their support but I think you need to go to your Congress person and have a dialogue-this is outrageous and perhaps they can have an impat.

Feb 08, 2013 11:07 PM #174
Sharon Tara
Sharon Tara Transformations - Portsmouth, NH
New Hampshire Home Stager

I am so happy to see this post getting as much attention as it is...I shared on facebook and here is a comment my sister made:

 I feel so bad for her. That is exactly what we went through. I kept resending documents they claim they never received. Next phone call they would use a different excuse like the policy requirements have changed. It went on for almost two years until Bruce got an attorney involved. But we had to agree to a short sale - which did take 7 months from the time the offer was made.  It is a disgrace how BOA is handling these cases. They are getting their money from the government so they don't care who gets displaced.

Feb 08, 2013 11:11 PM #175
Debbie Gartner
The Flooring Girl - White Plains, NY
The Flooring Girl & Blog Stylist -Dynamo Marketers

That is cool that our posts are coming up.  Happy to help.


I tried to post the following on BOA's Google Plus page.  HOWEVER, they do not allow anyone to comment on their posts.  Sad that a company would be involved in Social Media and doesn't allow anyone to be social or interact.  It shows there is something wrong with their company.


Please read this article about your company.  This is a real estate broker who has a husband dying of cancer and was trying to modify her loan.  She was denied on a technicality that did not seem plausible.  This has created outrage among the real estate community , resulting in over 100 reblogs on Active Rain, over 400 shares on facebook and countless tweets and shares on Google Plus.

I'm hoping that someone at Bank of America will take notice and help her with her case.  Thank you.

Feb 08, 2013 11:13 PM #176
Debbie Gartner
The Flooring Girl - White Plains, NY
The Flooring Girl & Blog Stylist -Dynamo Marketers

I was able to post it on their FB page.

Feb 08, 2013 11:16 PM #177
J. Philip Faranda
J. Philip Faranda (J. Philip R.E. LLC) Westchester County NY - Briarcliff Manor, NY


I reposted, reblogged, linked and pimped. I also reached out to a colleague that does quite a few short sales with BOA to see if anyone he knows can make a difference. 

Such a deplorable thing you are experiencing from an organization that should be ashamed of the staff they have on these cases. 

Feb 08, 2013 11:19 PM #178
Roy Kelley
Realty Group Referrals - Gaithersburg, MD

Thanks for sharing your story.  I hope the extra exposure will help you reach a resolution with the bank. I posted your blog on Facebook.

Feb 08, 2013 11:32 PM #179
Geri Sonkin
Douglas Elliman Real Estate 516-457-7103 - Merrick, NY
Long Island Real Estate & Staging Expert

Gail, I know, intimately what you are going through with the untenable process of trying to get a loan modification.  To have suffered a life situation as difficult as yours without all the extra stress of the system, is enough to take all hope away, at a time when you need it more than ever.  

You are incredibly brave to bring your problem to the world of AR and all the good folks who form a column of faith and determination behind you, keeping you rock solid in your resolve.  When life threw me into a similar situation, after fighting to keep my head above water, I finally gave up, and retreated from everything and everybody.  It was with a stroke of luck and the good advice of my brother that I managed, at the last moment to avoid foreclosure, but at a huge cost.

You've gotten some wonderful advice here and I'm not surprised.  What a stalwart group these ActiveRainers are.  I will reblog, and add my prayers to the long line of those that preceded me.  God bless you both.

Feb 08, 2013 11:35 PM #180
Gene Donohue
Only Way Realty / - Greenville, SC
Flat Fee Service...Exceptional Results!

This is just so wrong.  My thoughts go for the highest and best outcome!

Feb 08, 2013 11:36 PM #181
Ben Benita
Ben Benita - Gainesville, VA
Speaker, Author, Game Changer, Coach

Lots of thoughts for you:

1)  DId you get an actual foreclosure DATE notice or just the "empty threat" letters they send?  If you do not have a foreclosure date you should still be ok.

2)  Try the Bank of America Twitter team (they can be VERY resposnive):

Bank of America (BofA_Help) on Twitter

or call their Twitter Team directly - 855-834-5401

3)  Find out who the Investor is on the loan and contact THEM directly - the Investor on the loan is the entity that actually funded your mortgage, Fannie, Freddie, the Gail Robinson Pension Fund, etc.  These are the people that are actually being affected financially by the non-sense B of A is putting you through.  Contact THEM and watch how quickly your calls get returned and your situation is resolved.

4)  Their are also numerous places you can file formal complaints again B of A, 2 of the best:
OTS (Office of Thrift Supervision)
The OTC (Office Of The Comptroller of the Currency)

are GREAT sources.  They oversee loan Servicers like B of A and get VERY involved when things like this go on.  If hte higher ups at B of A know you have filed a formal complaint against them, again they suddenly take a STRONG interest in helping you.

You (or anyone) can reach me off here if you would like some of the upper level contacts I have (their direct emails and phone numbers).

Best of luck - KEEP FIGHTING!!!

I only WISH all the homeowners B of A and the other services have jerked around knew to post publicly about the utter NON-SENSE these companies put homeonwers through!!!

If anyone needs helps with ANY short sale or loan modification, send me an email -

I have been helping agents and homeowners all over the country for more than 8 years now!!!!

Best of luck
Ben Benita
Short Sale Shop
Feb 08, 2013 11:45 PM #182
Bryan Robertson
Los Altos, CA

Gail, if there is any way with the contacts and connections that I have to help you with this problem I will put them to use. This situation with Bank of America is a signal into how flawed the loan modification process really is. I've seen the same problem with short sales as well.

You have a strong community here backing you up and getting the word out. I would be willing to bet that the negative media backlash will have a role in getting you a positive outcome.

Feb 08, 2013 11:49 PM #183
Debbie Reynolds
Platinum Properties - Clarksville, TN
Your Dedicated Clarksville TN Real Estate Agent

Gail, This is not right. We must spread the word that they are treating people unfairly and we will let the whole world know it too.

Feb 08, 2013 11:52 PM #184
Damion Flynn
Tech Realty® - Diberville, MS

Gail, it has been years since I have logged in to Active Rain. I felt compelled to though as I was touched by your story and wanted to show my support of your situation. I put up a blog post about it as well and hope that it will be seen far and wide. 

I wish you the very best and hope for a miracle for youa nd your husband. 

You can review the post at and let me know if you wish for me to remove the link or anything.


Again - good luck.


Feb 09, 2013 12:13 AM #185
Debe Maxwell, CRS | The Maxwell House Group | RE/MAX Executive | (704) 491-3310 - Charlotte, NC
Charlotte Homes for Sale - Charlotte Neighborhoods

Gail, I don't know what to say other than SHAME ON BANK OF AMERICA!  I own stock in the company and this post may just be the tip of the iceberg that ultimately ends that relationship.  

Please take the advice that Ben gave you above.  I've heard that you CAN get results by going that route.  

Know that we love and adore you and will do anything in our power to help you.

Feb 09, 2013 12:22 AM #186
Gail Robinson
William Raveis Real Estate - Southport, CT
CRS, GRI, e-PRO Fairfield County, CT

Please feel free to post your own horror stories of BOA loan modifications.  This isn't just about me or my situation.  As we can see from the news, BOA does not want to do loan modifications despite the $25 Billion Settlement Relief.  My mortgage was a Countrywide loan and the settlement was created to help people like me who bought at the peak of the market and need to modify their loans.  BOA is recommending I do a short-sale or Deed in Lieu of Foreclosure so someone else can live in my home for a fraction of what I paid.   Let's keep people in their own homes.  We've had enough short sales and foreclosures on the market!

In any case, if they are going to foreclose, all I ask is that they wait a year before sending the foreclosure summons given my husband's situation.  I can't deal with my husband's end of life situation and a case in foreclosure court at the same time.  That's too much to ask of anyone!

Feb 09, 2013 12:25 AM #187
Elite Home Sales Team
Elite Home Sales Team OC - Corona del Mar, CA
A Tenacious and Skilled Real Estate Team

We in the West have seen this and blogged about it for years. This is normal not unique. California found it to so abusive they passed a law that you cannot have loan modifications and foreclosure going on at the sametime.

I am so sorry for your situation.  How do we really get the public to know what B of A is doing.  They do not make sense.  I will pray for an answer for you and your husband. 

Feb 09, 2013 12:33 AM #188
Erna Neal
The Viking Team, Realty - Winter Park, FL
A Knowledgable Central Florida Realtor

Gail, I've re-blogged and shared on the social media sites. I hope that BofA will take notice.

Feb 09, 2013 12:43 AM #189
Evelyn Santiago, Managing Broker Heart Realty Group, Inc.
Heart Realty Group, Inc.. - Oswego, IL
Passionate About Real Estate & Our Clients!


I totally understand what you are going for.  I have been trying to get a loan modification on one of my homes and have been denied by BOA numerous times.  It falls under one of the settlement suits and yet despite the fact that they kept sending me packages insisting I would qualify once I actually applied they came back with a decision within less than a week that I was denied - there there were no way they could modifiy it and they sent the decision to where I told them not to send it and when I requested another copy they never sent it so I could not reapply during the appeal period!

BOA has never been able to make a decision in less than a week on any type of process - short sale or other loan modifications but the one that entailed getting money from a settlement or an actual principal foregiveness they were able to make that decision fast!

Report them to the CFPB, send a registered letter to their CEO, call the local TV and radio station, tweet, facebook, have anyone you know that has an account with them pull it out of their bank.  Talk to your local state representative and senator. 

They are pushing the short sale or DIL because they can get rid of the loan that they don't have the proper paperwork for.  Get an attorney to do a QWR asking for the actual loan paperwork and go after them for the mistakes.  It is well known that Countrywide scanned the loan papers and did not keep the originals as part of their efficiency...but you need the originals, not copies, not scans to foreclose....

Make noise and keep the spotlight on them.  My prayers and thoughts are with you and may you get the loan modification you desere.  I am sending you a number to call that might help.

Feb 09, 2013 12:44 AM #190
Gina Chirico
Lattimer Realty - Fairfield, NJ
Real Estate Agent - Essex County, New Jersey

Gail, my horror stories are with Chase (originally Countrywide loan) but recently they just approved us for a principal reduction, modifying our loan.  Did you receive in the mail the survey and information from the Independent Foreclosure Review?  It was a third party company who reached out to homeowners to see if the "big" banks involved in the robo signing suit were fraudulent.  I did fill out the paperwork and that is why I honestly believe Chase approved us because they know they were at fault for denying us in the past for a loan modification and adding on crazy fees.

My thoughts and prayers are with you and your husband during this time.  I will reblog this post.  Have you talked to an attorney?  Does your state offer a judiciary foreclosure mediation program?  New Jersey does. 

Feb 09, 2013 12:48 AM #191
Pam Crawford
RE/MAX Professional Associates - Auburn, MA
Owner-RE/MAX Prof. Assoc.,MBA, CDPE, CRS, ABR


contact me privately.  I have a few secrets with BOA and short sales.  I don't know if they work with loan mods.  I will repost and facebook and etc!!!

Feb 09, 2013 12:50 AM #192
Sharon Parisi
United Real Estate Dallas - Dallas, TX
Dallas Homes

Gail, please know that I am thinking about you and your husband.  I lost my husband to a similar cancer and cannot begin to imagine the stress of adding the worry of foreclosure to what you are going through.  I am praying for you and for the power of Active Rain to push BOA to do the right thing. I will check back often and have re-blogged your post.

Feb 09, 2013 12:54 AM #193
Debb Janes EcoBroker and Bernie Stea JD
ViewHomes of Clark County - Nature As Neighbors - Camas, WA
REALTORS® in Clark County, WA

Gail - I cannot believe this has happened. I am so very sad to hear the news .I will do what I can to champion your cause - in the meantime - sending you love, light and prayers. 

Feb 09, 2013 01:01 AM #194
Suesan Jenifer Therriault
JTHIS-Professional Home Inspection Team - Blakeslee, PA
"Inspecting every purchase as if it were my own".

Gail, I'm on board. I will re-blog your post and have my other 3 family members do so as well. I will do a post and Link it to my FB pages. If there is anything else that I can do please feel free to let me know. I will do it!

Feb 09, 2013 01:20 AM #195
Alan Kirkpatrick
Austin Texas Homes - Round Rock, TX
Alan in Austin


I re-blogged the story this morning. Please know that you and your husband are in our prayers. 

Feb 09, 2013 01:24 AM #196
Lee Alley
Pro Mobile Photo - Snohomish, WA
DIY Your Own Expert Smartphone Photography

Gail, there's a whole bunch of us sharing this time with you.  I have reposted on my social network.  This is going to be a long process so please do keep us posted and continue to let us know how we can pitch in.  You are certainly surrounded by many people who care and want to be with you through this.  -Lee

Feb 09, 2013 01:55 AM #197
Pat & Steve Pribisko
Keller Williams Greater Cleveland West - Westlake, OH

Gail, my heart goes out to you.  You have received a lot of practical advice in your fight against B of A.  My suggestion is to spend time with your husband for as long as you can.  Fight B of A, but try not to let B of A take your time away from your husband.

Feb 09, 2013 01:56 AM #198
Rosemary Brooks
BMC Real Estate - 209-910-3706 - Stockton, CA
The Mother & Daughter Realty Team

Gail I will reblog this post too.  I appreciate you for posting it.  BofA and the others are so bad at this - its not even understandable.

Feb 09, 2013 02:08 AM #199
John Woodward
Sarasota Real Estate Group - Sarasota, FL
Broker - Sarasota Real Estate

BOA is the worst to deal with. 

Decisions are made in the best interest of the banks.  Most of these loans were securitized with credit defaults swaps which replaced mortgage insurance.  I have never received an exact amount these swaps covered but I would have to at least assume they replaced the mortgage insurance amount at about 25%.  The only way for the bank to get this payout is through foreclosure (the "default" in credit default swap). 

So here is the example of why they don't want to do it.  Original Purchase in 2005, $400,000 with 10% down equals a $360,000 loan.  Default swap pays $90,000 (25% of the loan) in a foreclosure doesn't pay on a deed in lieu, short sale, or mortgage mod...these are negotiated settlements and not defaults.  Home is worth $250,000 today and you try to do a mortgage mod or short sale on the property.  Here is the issue, someone pays market value (or does a mod) at today's value and the bank is giving up $90,000 in default swap money.  So if they foreclose, the seller takes the appliances out of the property and they can only sell it for $200,000 2 years from now, they still end up with ($200,000 + $90,000) $290,000.  The market is heading up so now, time is the bank's friend. 

Don't believe they are hurting while you don't make payments.  The money they loaned was from other people.  They are only servicing the loan and there are plenty of loans in the pool that are paying that they can deduct from to pay their fees.  Now that the property is considered "distressed", the servicing fees go up 2 to 3 times so the bank makes even more money.  The "banks" who are servicers, will also do force placed insurance at rates many times the going rate to compnaies they (surprize) own or are part of.  Don't worry, they treat the investors who put the money up for the mortgage in the first place equally as crappy as the borrowers.

The only reason they would work it out is they know they don't have the paperwork or that you have been selected to be part of their statistics showing how compassionate they are...a PR ploy.

Now you know why foreclosure is a far better deal for the bank than helping the home owner.  This is why, I believe, these are so difficult.

Feb 09, 2013 02:13 AM #200
Richie Alan Naggar
people first...then business Ran Right Realty - Riverside, CA
agent & author

I am livid from the conduct of this bank over the last several years...What a disgrace





Thank you for sharing your life and circumstances....nothing but good shall become of it....

Feb 09, 2013 02:26 AM #201
Maureen Bray Portland OR Home Stager ~ Room Solutions Staging
Room Solutions Staging, Portland OR - Portland, OR
"Staging that Sells Portland Homes"

Gail, with over 200 comments on this post and over 128 reblogs, the support you have from the AR community is impressive.  I'm so sorry you have to deal with this situation while caring for your husband.  It may be difficult, but please try to focus on everything else ... somehow your strength and positive attitude will make help find a positive outcome.  My prayers will continue for you and your dear husband. 

Feb 09, 2013 02:40 AM #202
Gail Robinson
William Raveis Real Estate - Southport, CT
CRS, GRI, e-PRO Fairfield County, CT


Gabriel from BOA’s Social Media Department called me at 1:16 PM today and asked for the loan number and address.  He said he will send this information to their Specialty Group for Modifications.  They will research this situation to see if there are any options that they can provide and someone from BOA will call me on Monday.  I asked him to also send it to the Foreclosure Department to ask them to hold off on the foreclosure summons until they investigate whether I’m eligible for a loan modification as we know that the Loan Modification and Foreclosure Departments don’t communicate with one another and operate independently.  He said he would send the notice to all Specialty Groups.

Right after that, Don Pierce, from BOA's Social Media Department for blogging (I think Gabriel may have been Twitter, they divide their social media by type) called me at 1:30 PM and said that he will send this over to their Escalation Team.  A researcher will do an analysis to see if there is anything that can be done and contact me on Monday.  I asked him to request that they hold off on sending the Foreclosure Summons.  He said he would make the request (he has no authority to do anything about it, but can make the request).


Feb 09, 2013 02:44 AM #203
John Fauth
Coldwell Banker King Thompson - Grove City, OH
Turning your dreams into an address!

In every experience I have had with BoA they have had the same theme. "You don't have all the paperwork; DENIED"  I am glad that they seem to be waking up. Good Luck with the modification I hope it all works out for you.

Feb 09, 2013 02:57 AM #204
Juli Vosmik
Dominion Fine Properties - Scottsdale, AZ
Scottsdale/Cave Creek, AZ real estate 480-710-0739

Gail, first, I'm so sorry you're going through all of this. I  love the support of the ActiveRain community - and based on  your last update - it worked.  Here's hoping that will give you a little peace of mind during this trying time.  My thoughts and prayers are with you.

Feb 09, 2013 03:04 AM #205
Gina Chirico
Lattimer Realty - Fairfield, NJ
Real Estate Agent - Essex County, New Jersey

Thanks for the update!  I did post on BOA's two twitter pages and my own the reblog of your post:


Bank of America denying loan modification

Never underestimate the power of social media and more importantly, the power of Activerain, the power of the Activerain community and the power of prayer.  Prayers for you and your husband.

Feb 09, 2013 03:47 AM #206
Bill Reddington
Re/max Southern Realty - Destin, FL
Destin Florida Real Estate

This is the part of the world I just don't get. We give away money to the world but we can't help the people here who have issues. Just read your reply. Good News I think. The power of the internet coming thru. Hope it works out for you.

Feb 09, 2013 03:50 AM #207
Cindy Jones
Integrity Real Estate Group - Woodbridge, VA
Pentagon, Fort Belvoir & Quantico Real Estate News

Gail thank you for the update.  I hope that more sensible heads prevail at Bank of America and your situation along with many others will be made right.  

Feb 09, 2013 03:51 AM #208
Tammy Lankford,
Lane Realty Eatonton, GA Lake Sinclair, Milledgeville, 706-485-9668 - Eatonton, GA
Broker GA Lake Sinclair/Eatonton/Milledgeville

Gabriel, hopefully is another messenger from God that will help you by bringing good news. 

Feb 09, 2013 03:53 AM #209
Susan Emo
Sotheby's International Realty Canada - Brokerage - Kingston, ON
Kingston and the 1000 Islands Area
Gail, with all you are dealing with I am so impressed with you taking the time to provide an update! Can't wait to hear ll has been resolved come Monday :)
Feb 09, 2013 03:56 AM #210
Joan Whitebook
BHG The Masiello Group - Nashua, NH
Consumer Focused Real Estate Services

Gail -- keeping my fingers crossed.  I hope they come through now.

Feb 09, 2013 04:03 AM #211
Craig Daniels
Tech Training for You! - Staten Island, NY
Technology Instructor/Project Consultant

Gail - so glad to hear the AR family came together for you and our pressure brought the attention you deserve - we are thinking about you!

Feb 09, 2013 04:24 AM #212
Barbara-Jo Roberts Berberi, MA, PSA, TRC - Greater Clearwater Florida Residential Real Estate Professional
Charles Rutenberg Realty - Clearwater, FL
Palm Harbor, Dunedin, Clearwater, Safety Harbor

Gail, we are all praying for you and your hubby! Thank you for updating us and know that you are both in our thoughts and for BOA, it should have gone down a couple of years ago and there should be top banking officials in prison!

Feb 09, 2013 04:30 AM #213
Gary Woltal
Keller Williams Realty - Flower Mound, TX
Assoc. Broker Realtor SFR Dallas Ft. Worth

This is very good progress Gail. Everyone working and praying hard for you that you don't lose the house. Thanks for your update.

Feb 09, 2013 04:53 AM #214
Robert Bob Gilbert
Berkshire Hathaway HomeServices Anderson Properties - Katy, TX
Your Katy TX ( West of Houston) Real Estate Expert


I am shocked and appalled by BOA behavior in your case but in my opinion not surprised. This should be a crime and someone at that bank in Senior management should do time in my opinion! I will re-blog but I see it already been re-blogged several times. Good luck to you folks and I am truly sorry this has happened to you folks. We will pray for you and your family.

Feb 09, 2013 04:56 AM #215
Pamela Seley
West Coast Realty Division - Murrieta, CA
Residential Real Estate Agent serving SW RivCo CA

Gail, glad to hear the good news. If you need us next week, you know where to find us.

Feb 09, 2013 04:56 AM #216
Karen Baker
Sunset Beach and Beyond Realty - Sunset Beach, NC
Professional Help with Rapid Responses...

Gail ~ Wow! We blogged, tweeted and google + to get the message out there. Seriously someone messed up!

Shame on Bank of America!

Feb 09, 2013 05:01 AM #217
Beth and Richard Witt
Long Island Cash Home Buyer - Huntington, NY
Long Island Cash Home Buyer 516-330-6940

Gail hope this story has a happy ending...

Feb 09, 2013 05:03 AM #218
Karen Baker
Sunset Beach and Beyond Realty - Sunset Beach, NC
Professional Help with Rapid Responses...

Gail ~> Thanks for the update but we can't help reblogging because this made us soooo mad!!

Feb 09, 2013 05:04 AM #219
Andrea Swiedler
Berkshire Hathaway HomeServices New England Properties - New Milford, CT
Realtor, Southern Litchfield County CT

Gail, I am glad they contacted you, now let's see waht they do. They can, and should, so keep us posted. You don't need to deal with this as you prepare to say goodbye to your beloved husband, and he doesn't need to deal with this either.


Feb 09, 2013 05:17 AM #220
Sharon Lee
Sharon Lee's Virtual Assistance - Jonesborough, TN
Retired and loving life

Gail-This is great news. Lets hope they do what they should have done in the first place. You have enough on your plate without  having to worry about losing your home too.


Feb 09, 2013 05:17 AM #221
Anna Banana Kruchten CRB, CRS 602-380-4886
Phoenix Property Shoppe - Phoenix, AZ
Arizona's Top Banana!

Gail they contacted you - and that's good.  Now.... we all just need to keep talking about it so it doesn't go away in the socail media world. We're here for you in whatever way we can be for you and your family.

Feb 09, 2013 05:24 AM #222
Robert Bob Gilbert
Berkshire Hathaway HomeServices Anderson Properties - Katy, TX
Your Katy TX ( West of Houston) Real Estate Expert


Cindi Jones just told me via a comment ob my re-blog of your post to come back to read your comment above. Let us know what BOA said about the modification. I will stand on what iIhave said and will wait to see if they actually do the right thing. Social media obviously works.

Feb 09, 2013 05:41 AM #223
Carla Muss-Jacobs, RETIRED
RETIRED / State License is Inactive - Portland, OR

Thank you for the update.  I know that your husband is the love of your life and I've read a post about how much you love him and thought you'd never find love again.  I'm glad we came through for you and him!!

Feb 09, 2013 05:49 AM #224
Peggy Wester
Realty Executives Integrity - Grafton, WI
Real Estate Agent Ozaukee & Washington County

Hi, Gail -- I came across this post from a reblog and am seeing in the comments that you have an update, though I haven't found it yet. LOL! My heart goes out to you and your husband, not only for what you have been going through with BOA, but also with his cancer. To say "I can't imagine" is simply an understatement. I'm going to keep looking for the update, as I think it might have some good news to share! In the meantime, please know my thoughts and prayers are with you, your husband, and your entire family.

Feb 09, 2013 05:55 AM #225
Michael Layton
nook real estate - Palm Springs, CA
Michael Layton 7604085300

Hi Gail,


So sorry for your troubles.  You MUST call the media.  But first let BOA know that is what you are going to do. BOA does not want media coverage of your type of story. I have it on good authority that an in house BOA memo said that any client who threatens to go to the media gets referred higher up the chain right away.

Good luck. Thoughts and prayers are with you and your husband.

Feb 09, 2013 06:20 AM #226
Kristin Hamilton CA Realtor
Sun Lakes Realty - Banning, CA
(909) 557-6966- Specialize 55+ Communties Banning
Hi Gail, I just read this post as Donna had re-blogged it. OMG I am so sorry and I am always defending BofA as they seem to be stepping up to the plate and doing the right thing to get these short sales closed but maybe they are not so interested in refi's. I am going to post it on my social media sites right now. Also we all need to SUGGEST it to the AR Gods. *I will keep you and your husband in my prayers. I believe the power of prayer is so powerful.
Feb 09, 2013 06:22 AM #227
Pete Xavier
Investments to Luxury - Pacific Palisades, CA
Outstanding Agent Referrals-Nationwide

Thanks for the update, let's hope BOA's escalation team makes the right decision on this.

Feb 09, 2013 06:50 AM #228
Melissa Marro
Keller Williams First Coast Realty - The Marro Team - Orange Park, FL
Jacksonville Real Estate and Home Staging
It's 5:58 (per my computer) on 2/9/13 as I'm just reading this so you must have just added the update minutes ago. I'm thrilled to hear that BOA has taken flack and is attempting to do something to help you. While they are a big heartless company, they don't need any more bad PR. It may be in their best interest to give you a little more time. I'm sure it's tax deductible in one form or another anyway (for them). I'm very sorry for what you and your family are going through. It must feel like the entire world is crashing. I'm glad the AR community has been able to be of some comfort and help.
Feb 09, 2013 07:00 AM #229
Sheila Anderson
Referral Group Incorporated - East Brunswick, NJ
The Real Estate Whisperer Who Listens 732-715-1133

Hello again Gail. I am pleased to hear that our efforts helped get someone from BOA to contact you. There surely is strength in community and this community takes no prisoners. You should spend your time with your husband and I am so sorry that you have to deal with this. I contacted the ABC station in NYC who often intercedes with folks in the tri state area who are being mistreated or bullied. I have thought of little else since reading your story. Thoughts and prayers and all good wishes are coming your way.

Feb 09, 2013 07:09 AM #230
Eric Michael
Remerica Integrity, Realtors®, Northville, MI - Livonia, MI
Metro Detroit Real Estate Professional 734.564.1519

Gail, glad to see that they contacted you and that they Escalation Team is going to review the situation quickly. Wishing you the best of luck!

Feb 09, 2013 07:23 AM #231
1~Judi Barrett
Integrity Real Estate Services 118 SE AVE N, Idabel, OK 74745 - Idabel, OK
BS Ed, Integrity Real Estate Services -IDABEL OK

I am so glad that they responded.  Now  hoping that they take care of it.  It's high time that they did the right thing.  Please keep us posted.  

Feb 09, 2013 07:31 AM #232
Dawn A Fabiszak
Private Label Realty ( Denver metro area, Colorado - Aurora, CO
The Dawn of a New Real Estate Experience!

Gail ~ Carla told me about your update on my re-blo of your post.  I am so happy to hear that BofA is finally doing something about the insignificant worker-bee that has been giving you all the trouble.  I am proud to belong to a community that bands together in time of need.  Although this should NEVER have come to that.  I did what I could, like others, to get your message out. 

When you update us on BofA,  I am curious to know how many re-blogs  you actually did end up getting.

Feb 09, 2013 08:09 AM #233
Sean Young
Home Loans by Sean Young - New American Funding - Highlands Ranch, CO
Colorado loan officer

Gail we have never met. However in the few words you wrote, you are now absolutely in my thoughts and in my prayers. Best wishes to you and your husband. 

Feb 09, 2013 09:00 AM #235
Karen Fiddler, Broker/Owner
Karen Parsons-Fiddler, Broker 949-510-2395 - Mission Viejo, CA
Orange County & Lake Arrowhead, CA (949)510-2395

You sweet thing...I hope this works out, powerful tool here at Active Rain. I'm here for you me if you want to talk. 

Feb 09, 2013 09:26 AM #236
Marchel Peterson
Results Realty - Spring, TX
Spring TX Real Estate E-Pro

Hi Gail, I saw Andrea's post over on facebook and thought you might be the Gail she was talking about.  I am less than active on Active Rain anymore so glad we also have the facebook connection.  I'm praying that the loan modification works out for you.  Bank of America is a piece of work!

Feb 09, 2013 09:28 AM #237
Nancy Conner
Olympia, WA
Olympia/Thurston County WA
Lots of hugs to you Gail, and I'll be hoping to read next that BOA has someone with a heart - and some common sense.
Feb 09, 2013 09:29 AM #238
Wika Hutchinson
Eugene, OR
Gail, I am very sorry you and your family have to go through this. You can check to see if your loan is backed by FannieMae or FreddieMac (use their loan lookup). You might be qualified for loan modification under the provision of HARP.
Feb 09, 2013 09:32 AM #239
DeeDee Riley
Lyon Real Estate - El Dorado Hills CA - El Dorado Hills, CA
Realtor - El Dorado Hills & the Surrounding Areas


Sorry I didn't see this sooner but am glad to hear BOA is working on it.  I am so angry with them right now and at the government for all the talk about how much they are helping people.  I think it is so discriminatory.  

Best of luck to you in getting your loan mod.  You and your husband are in my thoughts and prayers!


Feb 09, 2013 09:41 AM #240
Debe Maxwell, CRS | The Maxwell House Group | RE/MAX Executive | (704) 491-3310 - Charlotte, NC
Charlotte Homes for Sale - Charlotte Neighborhoods

God Bless!  You will remain in my prayers, Gail until BOA follows-up and DOES THE RIGHT THING!  As someone said above, our government gives away money Willy Nilly but, when someone has a TRUE hardship, they turn the other way.  Stay in front of them and hopefully they'll take care of you.  xoxo

Feb 09, 2013 09:42 AM #241
Pam Miller
Realty Associates - Friendswood, TX
Broker Associate - Pearland/Friendswood

Gail - Please let us know how you are doing.  Hang in there, girlfriend!

Feb 09, 2013 09:51 AM #242
Kathy Streib
Room Service Home Staging - Delray Beach, FL
Home Stager - Palm Beach County,FL -561-914-6224

Feb 09, 2013 09:54 AM #243
Anna Dovger
Add Value Home Staging LLC, 281-704-6607 - The Woodlands, TX
Home Staging -The Woodlands, TX

I'm so happy to see that BofA has responded...we had a similar case with another AR member about a year ago who lost her house to BofA...I thought that nothing could be done and you are just another victim... I am really really glad that BofA will review the case. Please keep us posted...I'm keeping my fingers crossed.

Feb 09, 2013 10:19 AM #245
Cindy Westfall
Premiere Property Group,LLC Portland Metro & Suburbs Oregon - Tualatin, OR
ABR,GRI Your Tualatin & Portland Metro Real Estate

Hi Gail, so sorry to be coming late to this and it looks like all the re-blogs got their attention. I'm going to rebog as well! I too hope they do the right thing.

Feb 09, 2013 10:45 AM #246
Nancy Laswick
United Real Estate - Phoenix, AZ
Your REALTOR® For The Valley Of The Sun

Gail, I'm so glad to hear that you had contact from BOA, hopefully they will not drop the ball. I am continuing to pray for you and your husband. Please let your AR family know what we can do to help. May God bless and hold you both of you close.

Feb 09, 2013 10:53 AM #247
Janis Borgueta
Key Properties of the Hudson Valley - Newburgh, NY
LIC RE Salesperson

Gail... glad to hear that they actually heard your plea!! Nex the actually need to respond and make it happen. Keep us posted!! You have certainly in my thoughts today.

Feb 09, 2013 11:17 AM #248
Ana Hitzel
AccentPositives Home Staging - Corona, CA
Professional Home Stager Inland Empire

Gail I hope this all works out for you and your husband, keep us posted and we will keep tweeting and anything else that will get them to give you the help and onsideration you deserve.

Feb 09, 2013 11:23 AM #249
Patricia Kennedy
RLAH Real Estate - Washington, DC
Home in the Capital

Gail, I just wrote a post about how we can all talk back to Bank of America, along with Brian Moynahan's email address.  And I think that this will work out in the end.  What a story.

Feb 09, 2013 11:46 AM #250
Gloria Todor
Century 21 Absolute Realty - Springfield, PA
& Doug Durren (484) 431-3686 in SE PA

Gail, So good that you were able to write a post about your situation.  So good to ask for help.  Reblogged.

You are so strong for your husband.

Peace, Gloria


Feb 09, 2013 12:13 PM #251
Charles Stallions
Charles Stallions Real Estate Services - Pensacola, FL
800-309-3414 - Pensacola, Pace or Gulf Breeze, Fl.

I wish you all the best Gail and I know it will work out, what a bunch of,, oh well.

Feb 09, 2013 12:24 PM #252
Nick T Pappas
Assoc. Broker/Broker ABR, CRS, SFR, e-Pro, @Homes Realty Group, @HomesBirmingham & Providence Property Mgmnt, LLC Hun... - Huntsville, AL
Madison & Huntsville Alabama Real Estate Resource
Gail, glad to hear of the update and hope it goes well. I just spoke with a young couple down the street from me who are losing their home to a BoA foreclosure...they've tried al loan Mod. For quite some time, but BoA would rather foreclose...who are these people working for them???
Feb 09, 2013 01:02 PM #253
Ron and Alexandra Seigel
Napa Consultants - Carpinteria, CA
Luxury Real Estate Branding, Marketing & Strategy


Ron and I wish all the very best.  It is incredible what you have gone through, and we join all of the others on Active Rain in wishing you the right and best outcome...R &A

Feb 09, 2013 01:03 PM #254
Gail Robinson
William Raveis Real Estate - Southport, CT
CRS, GRI, e-PRO Fairfield County, CT

Thank you all!  You are the best!  I love my AR Family.

Feb 09, 2013 01:12 PM #255
Lora "Leah" Stern 914-772-4528
Coldwell Banker, 170 N Main Street, New City NY 10956 - New City, NY
Real Estate Salesperson

Gail, I'm a little late to the party.  Just saw some of the reblogs on Facebook and came to wish my best to you in fighting your plight.   My warmest wishes to you that everything work out well for you.

Feb 09, 2013 02:05 PM #256
Bryant Tutas
Tutas Towne Realty, Inc and Garden Views Realty, LLC - Winter Garden, FL
Selling Florida one home at a time

Hi Gail. Awesome to hear that BofA has contacted you. I have spoken to Don Pierce numerous times. He's a great guy and will get you sorted out. Mention my name and short sale superstars to him.

Feb 09, 2013 09:13 PM #257
Frank Laisch
Orlando, FL
"The Insurance Guy"

Gail, I am so Glad this caught their attention & someone will look into it. please keep us posted on Monday. Our prayers go out for you & your husband!

Feb 09, 2013 09:14 PM #258
Tom Bailey
Margaret Rudd & Associates Inc. - Oak Island, NC

Gail, so glad to hear that you heard from BOA.I hope things go well. I will post this again. The more pressure the better your odds.

Feb 09, 2013 09:30 PM #259
M. Lynn Delatte
Developers Realty - Broadview Heights, OH


I am so sorry that you are going through this.  I remember reading that a majority of bankruptcies are a result of a serious illness.  I know several people who have almost lost their homes or lost their homes because of illness expenses and loss of income.  


I will be praying for you and your husband. You deserve much better.

Feb 09, 2013 09:45 PM #260
Edward Gilmartin
CRE - Boston, MA

in 2007 and 2008 country faced a financial should have stepped in and mandated all government guaranteed loans be altered to fixed rate 4% loans...this could have been done as late as 2009 when the pork laden stimulus was passed that did little to help homeowners keep their homes and so much to help state governments keep overpaid workers and not to mention $100 billion to money losing green energy companies that donated to Obama..

Feb 09, 2013 09:59 PM #261
Ritu Desai
Samson Properties - Ashburn, VA
Virginia Realtor-Fairfax/Loudoun/PW-703-625-4949

Gail my payers are with your and your family during this tough time. I hope the bank of America comes to their senses and looks beyond their greedy financial gain. Good Luck!!!

Feb 09, 2013 10:41 PM #262
Nina Hollander
Coldwell Banker Residential Brokerage - Charlotte, NC
Your Charlotte/Ballantyne/Waxhaw/Fort Mill Realtor

My heart goes out to you. It's small comfort that you are not the only in this situation, but it really is horrible. You'll be in my thoughts and prayers.

Feb 09, 2013 10:50 PM #263
Ruthmarie Hicks
Keller Williams NY Realty - 120 Bloomingdale Road #101, White Plains NY 10605 - White Plains, NY

Hi Gail, 


Hi Gail, I am leaving the message below intact.  I didn't see the new entries until now!  That is very good news! 

I haven't been on AR for a while, but I found a link to your blog yesterday morning.  

First, this is a terrible personal tragedy for you and your husband.  You have fought such a valiant fight to take care of your family including your parents and your husband as well as your home.  

Second, this is an example of how the banks have misused the funds we gave them.  Principal reductions and/or interest reductions should have been in the mix from the start to help people save their homes.   This is but one example of the abuses of the banking system since they were blithely deregulated them bit by bit starting in the 1980s.  Now they are monsters with more power than the US Government.  That is the tragedy for our nation and our people. 

Apart from reblogging and pushing it on all my social media sities, I'm trying to think if there are any other ways this can be pushed into the public light.

I'm thinkng in terms of taking this response and bringing it to the attention of the media.  Take care and think good thoughts.  It isn't over yet. 

Feb 09, 2013 11:05 PM #264
Amy Bly
Great Impressions Home Staging/Interiors - Montville, NJ
Styling Homes for Selling and Staying

Wow, what a sad, awful story, Gail. I am glad to see BoA has contacted you and pray your husband and you can stay in your home. It is so disheartening when companies act this way, whether through incompetence or lack of compassion, and you have both apparently going on here. My thoughts and prayers are with you both. 

Feb 09, 2013 11:50 PM #265
Wika Hutchinson
Eugene, OR
Gail, thank you the update; I am glad to hear that they finally contact you. Things usually go smoother once it's escalated. Please make sure you have the rep's full name, email address, and direct telephone number or extension.
Feb 09, 2013 11:55 PM #266
Hella Mitschke Rothwell
(831) 626-4000 - Honolulu, HI
Hawaii & California Real Estate Broker

Gail: For some reason I missed the boat on reading this email until Patricia featured it just now. For what it's worth, I'll reblog it right now as well. My thoughts and prayers are with you and your wonderful husband!!!

Feb 10, 2013 12:24 AM #267
Brad MacKenzie
Brad MacKenzie - Duxbury, MA
Turning Houses into Homes on the South Shore

I read your post after Pat reposted it.  The banks' attitudes and behavior are a discredit to our trust.  I will email BOA, too.

Feb 10, 2013 01:08 AM #268
Brad MacKenzie
Brad MacKenzie - Duxbury, MA
Turning Houses into Homes on the South Shore

Mr. Moynihan,

I would like to add my voice to those requesting that your bank do the right thing by Ms. Gail Robinson and everyone in a similar position with regard to their mortgage with your institution.  The intent of Congress and the President was to get banks like yours to make minimal efforts toward the people harmed by your actions in the housing market in the last decade.  Not being proactive and acting in good faith in accomplishing that outcome is unconscionable.

Feb 10, 2013 01:15 AM #269
Patricia Kennedy
RLAH Real Estate - Washington, DC
Home in the Capital

Hi, Gail. I included this post in Last Week's Favorites.  Can't wait until tomorrow to close my accounts!

Feb 10, 2013 01:40 AM #270
Bill Roberts
Brooks and Dunphy Real Estate - Oceanside, CA
"Baby Boomer" Retirement Planner

Hi Gail, I think BofA has acted in bad faith. Someone needs to hold them accountable. If they don't do the right thing in your case, there are enough of us to really affect their business. We just need to stand shoulder-to-shoulder.

I'm with you for sure.

Bill Roberts

Feb 10, 2013 01:43 AM #271
Curtis Van Carter
Better Homes & Gardens Wine Country Group - Yountville, CA
Your Napa Valley Broker Extraordinaire


Just wanted to let you know I found this sad, heart felt post from a repost by Bob Gilbert. I am glad he did and all I can say has been said the huge response and out-pouring here in the Rain. Thanks and the bets to these folks, cheers cvc

Feb 10, 2013 04:04 AM #272
Alan May
Coldwell Banker Residential - Evanston, IL
Helping you find your way home.

Gail, I found you through Pat's favourites.  I have followed bits and pieces of your trials and tribulations... and I must say that your story breaks my heart.

I surely hope that you receive better news on monday... or at the very least, something better than you've received thus far.

Feb 10, 2013 05:28 AM #273
Carla Muss-Jacobs, RETIRED
RETIRED / State License is Inactive - Portland, OR

I am so glad you posted this.  I'm sure it was NOT easy to write this and let us not forget that a real estate agent stating that they are facing foreclosure is a huge hurdle.  I admire you for your honesty on this.  I'm glad you got some results.


Feb 10, 2013 06:28 AM #274
Lorraine or Loretta Kratz
Crescent Moon Realty, Inc. & Land N Sea Auctions. - San Marcos, CA
Certified Negotiation Consultants
How sad that not only must you deal with personal issues but BOA is behaving in a most abdominal fashion. I do understand that you have receive word from BOA recently that could alter matters for you. Heres to you coming out on top.
Feb 10, 2013 07:41 AM #275
Malik Crichlow
GoodBuy Homes NJ Essex & Union County Real Estate specialist - Maplewood, NJ
Maplewood,SouthOrange,Union Real estate


Sorry to hear about the bad news, it saddens me to hear that yet again another bank has no clue how to help speed the recovery from this terrible recession.  It's such a real post because many people are in the same point and real estate agents are caught up like a lot of americans fighting the good fight.  I wish you all the best and I applaud your honesty by actually putting this post out, it shows strength and courage.  I am sure no matter the outcome, you will be okay!


Best wishes!

Feb 10, 2013 09:40 AM #276
Melissa Brown
Helen Adams Realty - Charlotte, NC
Realtor - South Charlotte NC Homes for Sale

Hi Gail, yet another reason why I HATE Bank of America, and advise any buyer client looking for a mortgage to look elsewhere.  It is beyond belief that you are in this position - it is good people like you and your husband that the loan modification program was meant to help.  A program that we, as taxpayers, are all paying for.  I'm sending it out to my social media peeps!  Good luck, and spread the word!

Feb 10, 2013 09:43 AM #277
Tni LeBlanc, Realtor®, J.D.
Mint Properties, Lic. #01871795 - Santa Maria, CA
Tenacious Tni (805) 878-9879

Gail -

I read a little about your story on a comment on Lenn's blog about her loan modification.

Thank you for giving the AR community the opportunity to help.

Shame on BofA.


Feb 10, 2013 11:37 AM #278
John Michailidis
Real Property Management of Sarasota & Manatee - Sarasota, FL
Real Property Management of Sarasota & M

I've long ago given up any hope of ascribing even the tiniest shred of humanity to the folks at BofA!

Feb 10, 2013 12:23 PM #279
Lana Robbins Realtor ® Licensed Real Estate Broker
Aloha Kai Real Estate - Clearwater, FL
Licensed in Florida and Washington

Hi Gail. I have not been on ActiveRain for awhile due to a family concern. I am very disappointed that Bank of America is treating you this way. They bought the servicing of our mortgage and in my experience they have not been very nice to people after they received $45 billion of our tax dollars via TARP2.

Anyway I hope and pray you are okay.

Feb 10, 2013 12:53 PM #280
Gail Robinson
William Raveis Real Estate - Southport, CT
CRS, GRI, e-PRO Fairfield County, CT

Thank you all for your kindness and support.  I have been digging out from a historic blizzard for the past two days - 30 inches of snow and six foot drifts.  Most roads in my City are impassable, but due to my husband's condition I needed to shovel out and get my driveway clear for emergency vehicles even though I am not sure they could even get down my street.  It may take until Friday for the City to plow out my street, but I know I will have to get my husband to the hospital before then for a blood transfusion or some other treatment.  What a mess!

Feb 10, 2013 01:05 PM #281
Lorna Sherland
Success Power Brokers Real Estate & Consulting Service - Newburgh, NY
Top Local Real Estate Broker

Gail, not sure if you tried this.  I am in the process of a short sale with a loan that was assigne to Select Portfolio from BOA.  The agent there told me to call this number to see if the loan qualifys for pricipal reduction because of the settlement. They sometime won't tell you if your loan qualifies, you have to ask. Bank of America: 1-877-488-7814. Good luck! Sending prayers for you and your husband.

Feb 11, 2013 02:17 AM #282
Carolyn Roland-Historic Homes For Sale In Delaware and S. Chester County PA
Patterson-Schwartz Real Estate - Wilmington, DE
Carolyn Roland, GRI, CRS

I saw this on Dawn's blog and hope some miracle saves you from the jaws of BOA!

Feb 11, 2013 02:33 AM #283
Catherine C Capasso
Catherine Cornelia Real Estate - Eastchester, NY
Cottage or Castle, What's Your Dream!
Dear Gail, With so much to deal with, the cruelty of BOA simply adds insult to injury. My prayers go out to you and your husband. Thank you for having the courage to put your story out there. Although this must be difficult, please keep us updated.
Feb 11, 2013 02:41 AM #284
Ellen Hough
EXIT Independence Realty - Jacksonville, NC
Responsive, Reliable & Honest

Gail,  I wish you the best of luck in dealing w/the insanity of BOA.  Prayers to you and your family in this difficult time.

Feb 11, 2013 02:46 AM #285
Karen Hurst
Rhode Island Waterfront!

Hey Gail,

 Just checking in and reading all the comments!  I guess you came to the right place. With all the SEO of all your friends here at AR, you at least got someone looking at your plight! 

 I truly hope this works out for the best and you are definitely in my thoughts!  Keep us posted when you get a moment.  And good luck with the shoveling! I am looking out from a mound of snow just a little north of you!! Take care!

Feb 11, 2013 03:01 AM #286
Sally Tuttle
Teles Properties - Monterey, CA

Hi Gail,

There are no words to describe how cruel this for you and every other person going through the same stressful and devastating experience.   I truly hope the message you received on 2-9 will be the break you need to turn this whole mess around.

Please keep us posted as we all hope for good news!

Best wishes - Sally 

Feb 11, 2013 03:14 AM #287
Keller Williams Select Realtors-Buy a home in Washington DC. Sell a home in Washington DC - Bowie, MD
I don't make promises.I deliver results.SOLD HOMES

Hi Gail. Sooo sorry for the late response. Praying that BofA will get their act together and allow you to do a loan modification. I am also praying that God heal your husband from head to toe and inside out from Stage IV Pancreatic Cancer. No weapon formed agaiinst his body shall prosper in Jesus name-Amen. We are all rooting and praying for you Gail. Take care.

Feb 11, 2013 04:08 AM #288
Inna Ivchenko
Barcode Properties - Encino, CA
Realtor® • Green • GRI • HAFA • PSC Calabasas CA

I've just seen Dawn update on your situation (

This is how you use social media and powerful network!

Wow, this is an amazing story. Congratulations:)

Feb 11, 2013 05:34 AM #289
Travis "the SOLD man" Parker; Associate Broker
Team Linda Simmons, Enterprise, AL 36330 - Enterprise, AL
email: / cell: 334-494-7846

Just saw the original post and the Update. looks like FINALLY someone at a bank can "read & think for themselves". Prayers sent for you and your husband!

Feb 11, 2013 06:19 AM #290
Kim Dove
Watson Realty Corp - Jacksonville, FL
Realtor - Jacksonville FL
This just breaks my heart! May God bless you and your family.
Feb 11, 2013 06:37 AM #291
Marte Cliff
Marte Cliff Copywriting - Priest River, ID
Your real estate writer

Gail - thanks for posting the update. I know I am only one of the many who are anxiously waiting for GOOD news.

Feb 11, 2013 01:47 PM #292
Kristin Hamilton CA Realtor
Sun Lakes Realty - Banning, CA
(909) 557-6966- Specialize 55+ Communties Banning
Hi Gail , I thought about you and your husband all weekend and keep praying that we would all hear some good news soon. I am going to re-blog this right now. I thought I would wait since so many posted Friday. Good Luck and we all care and we will continue to pray until this is resolved.
Feb 11, 2013 01:49 PM #293
Michele Connors
The Overton Group, LLC Pitt & Carteret County - Greenville, NC
Your Eastern North Carolina Realtor

Hoping for an update, We are all behind you and your family !

Feb 11, 2013 11:54 PM #294
Janis Borgueta
Key Properties of the Hudson Valley - Newburgh, NY
LIC RE Salesperson

Thanks for the update Gail... I'll be thinking about you all week!!

Feb 12, 2013 02:45 AM #295
Petra Norris
Lakeland Real Estate Group, Inc. - Lakeland, FL
Realtor, Lakeland FL Homes for Sale

Gail - I have reblogged your story as it breaks my heart.  I am so sorry and my thoughts and prayers are with you and your family. 

Feb 12, 2013 10:18 AM #296
Virginia (Ginger) Schott
Century 21 Geba Realty Assoc. - Port Jervis, NY
Assoc. Broker, CBR, CHMS

Gail, I hope they work this out for you.  We just started the process with BOA, like you our income tanked, my husband is a union Electrician here in the Hudson Valley.  We were lucky if in the last 7 years he actually worked two.  My income was just not enough to stay on top of everything.  If you have any suggestions that will help, it would be appreciated.  I was hesitant to do a modification, as everyone I know has either been turned down or the amount of the modification was a joke.  An Agent in our office was given an $8.00 reduction.

Feb 13, 2013 10:39 AM #297
Christine McDaniel
Coldwell Banker Residential Brokerage Porter Co. - Crown Point, IN
Broker Associate

I hope they choose to help you.  Keep us posted.  Anyone know the executive customer support phone number for BOA?  I had one for Wells and Chase.  Both those phone numbers helped my clients but I can't seem to find one for BOA.

Feb 13, 2013 11:32 AM #298
Ginny Gorman
RI Real Estate Services ~ 401-529-7849~ RI Waterfront Real Estate - North Kingstown, RI
Homes for Sale in North Kingstown RI and beyond

Gail, my mistake i left the comment for you on a re-blog...had great luck asap sending a quick bulleted email to brian moynihan at BOA...I got results in 2 days and settled a huge issue with them in 3 days for my client.  Call me if you need to...I hope this horrible episode is over for you!!  You are in my prayers.

Feb 13, 2013 09:42 PM #299
Karen Fiddler, Broker/Owner
Karen Parsons-Fiddler, Broker 949-510-2395 - Mission Viejo, CA
Orange County & Lake Arrowhead, CA (949)510-2395

Can you believe how many comments you have on this post? I hope this warms your heart as to the support you are getting. Mine especially!!

Feb 14, 2013 05:34 AM #300
Barbara Altieri
RealtyQuest/Kinard Realty Group, Fairfield and New Haven County CT Real Estate - Shelton, CT
REALTOR-Fairfield County CT Homes/Condos For Sale

Gail -- I missed this. Found it via Andrea. I am so sorry for everything you are going through. I believe (and am praying) this will be escalated to the right individual(s) and worked out.  Please call me if I can do anything for you.

Feb 15, 2013 12:20 AM #301
Gail Robinson
William Raveis Real Estate - Southport, CT
CRS, GRI, e-PRO Fairfield County, CT
300 comments. I really feel like my AR friends have my back. I couldn't ask for a better birthday gift today. Thank you! BOA has been in constant contact with me. Their Escalation Team sped the loan modification process up. It passed underwriting and is now in Fannie Mae's hands. It may take two weeks before I know more. They said they would not put in a sale date for the foreclosure during this review. Keeping my fingers crossed!
Feb 15, 2013 10:27 PM #302
Wayne Johnson
Coldwell Banker D'Ann Harper REALTORS® - San Antonio, TX
San Antonio REALTOR, San Antonio Homes For Sale

Gail-That is great news and I hope you get a favorable outcome. It's too bad that you had to go through so much to get a fair hearing. Good luck to you and your family.

Feb 16, 2013 12:09 AM #303
Stacey Mayer - Everett, WA

Keeping up the pressure. I sent a copy to your local "", as my local Patch folks have been really good to me. We never know what will be enough straws on this camel, do we? You're in our prayers.

Hopefully, you'll soon be watching the flowers bloom beneath your feet....

Feb 16, 2013 06:23 AM #304
Petra Norris
Lakeland Real Estate Group, Inc. - Lakeland, FL
Realtor, Lakeland FL Homes for Sale

Gail - always keeping my fingers crossed.  Wishing you a happy birthday and that your wish will come true :)

Feb 16, 2013 09:32 AM #305
Leslie G. Rojohn
MoonDancer Realty - Sylva, NC
GRI, ABR ~ MoonDancer Realty

Gail, Happy Birthday.  This was my Lucky Beagle's birthdate too (Feb 16). She was and is a powerful angel.  Will keep hoping that this time, BofA will do the right thing and that it won't get messed up anywhere along the way.

Feb 16, 2013 01:22 PM #306
Marte Cliff
Marte Cliff Copywriting - Priest River, ID
Your real estate writer

Gail - thanks for keeping us updated. We're all pulling for you and eager to hear good news.


Feb 17, 2013 02:29 AM #307
Brenda Mullen
RE/MAX Access - Schertz, TX
Your San Antonio TX Real Estate Agent!!

Your AR friends do have your back Gail and it looks like BOA is finally taking action which is terrific!  Can't wait to see your update in a couple of weeks and I am praying and sending positive vibes your way for an excellent outcome.  You and your hubby deserve it after all the pain they put you through!

Feb 17, 2013 11:05 AM #308
Margaret Rome, Baltimore Maryland
HomeRome Realty 410-530-2400 - Pikesville, MD
Sell Your Home With Margaret Rome

Happy Birthday and thanks for the updates. Think of you often. Don't forget to take care of yourself.


Feb 17, 2013 07:24 PM #309
Gabe Sanders
Real Estate of Florida specializing in Martin County Residential Homes, Condos and Land Sales - Stuart, FL
Stuart Florida Real Estate

Let us know what you end up with.  Would be a great victory for you if you get it!

Feb 18, 2013 01:21 AM #310
Hella Mitschke Rothwell
(831) 626-4000 - Honolulu, HI
Hawaii & California Real Estate Broker

Gail: Happy belated Birthday! I am so glad they listened. Looking forward to hearing that the modification is DONE.

Feb 19, 2013 12:56 AM #311
Gail Robinson
William Raveis Real Estate - Southport, CT
CRS, GRI, e-PRO Fairfield County, CT

Thank you all for your support.  I've been dealing with an elderly relative who is hospitalized in FL.  I'm her Health Care Proxy, POA, etc. so I havent' been on AR much lately.  Thank you so much for keeping me in your thoughts.

Feb 19, 2013 12:46 PM #312
Bruce Brockmeier
Internet Marketing Consultant to REALTORS® - Yorba Linda, CA
Coached By Crouch

Waiting to hear your two week update and hoping Bank of America does the right thing.

Feb 20, 2013 01:59 AM #313
Connie Betz
Keller Williams Greater Omaha - Omaha, NE
Top Omaha Realtor - Omaha Homes for Sale

I'm glad BOA took this seriously and is working this so quickly for you.  Can't wait to hear the update soon.

Feb 21, 2013 03:05 PM #314
Dagny Eason
Dagny's Real Estate - Wilton, CT
Fairfield County CT, CDPE Homes For Sale and Condo

Happy Birthday - Wow!    You sure do have an incredible support system going here!    If there is anything that I can do to help, please just give me a hollar and you know I will be right there!

Best to you and yours, Gail, you know we all love you

Feb 21, 2013 10:40 PM #315
Michael Rasch
Florida Home Sales and Investments - Hallandale Beach, FL
Michael Rasch 305-741-1819

Gail, you have not finished all your option. You forgot to write a fully documented report to your local mayor, senator and congressional representative. that should start a small cider of a fire, then after that, spend 150.00 for a press release, you need the sympathy vote for this to work.

The start complaining to the local prosecuters that are going after BOA, I know in NY there should be atleast 2 of them, make sure that they get your detailed report. find your local bulldog and let him get a copy.

as heartless as this sounds, the bank does care one bit, it's responsible to it's shareholders and it has a job. good luck.


Feb 24, 2013 09:18 PM #316
Stacey Mayer - Everett, WA

Michael R, I totally agree with you. I'm sending copies of her original post to my congressional representatives, and senators, too.

I was sending a fax at the local Staples a year or so ago. There was a lady there beside me, who was re-faxing all of her documents for the THIRD TIME, trying to save her home, too. She'd purchased her modest home with a $50,000 downpayment. She'd earned the money by saving her pennies from her small housecleaning business.

She was a emmigrant from the Ukraine, now a naturalized citizen, a divorced mom of grown children, now in her fifties. As she shared her story with me, tears filled her eyes, and mine. She'd done everything - everything, and still she was being told, "you never sent in all the documents."

I had a terrible feeling the Bank wasn't going to help her; they were going to take her $50,000 downpayment, and her little nest egg house, too.

I haven't ever run into her again, but I have never forgotten the discussion we had, or the look on her face as she described her circumstances. We must never forget what the banks have done!

We MUST pass on this story to our government representatives.

Feb 25, 2013 01:30 AM #317
Angela Chastain
Berkshire Hathaway HomeServices Michigan Real Estate - Cheboygan, MI

Keeping my fingers crossed in hopes of good news for you!

Feb 25, 2013 03:22 AM #318
Tni LeBlanc, Realtor®, J.D.
Mint Properties, Lic. #01871795 - Santa Maria, CA
Tenacious Tni (805) 878-9879

Just look at what they can do when they try.

Why are they getting away with treating people like this?  Especially on a loan owned by Fannie Mae!

I'm happy for you Gail.  Keep us posted. 

Feb 25, 2013 04:42 AM #319
Florida Tolbert Team Keller Williams Advantage
Keller Williams Advantage III Realty in Lake Nona - Orlando, FL
Keller Williams Land Division Specialist

Glad to see it worked out Gail.  We were all praying and other assorted acts.  Once again the power of social media does work. 

Just visit my blog for my latest campaign to support our Keller Williams Des Moines office against a bully.

Feb 25, 2013 11:19 AM #320
Charita Cadenhead
Keller Williams Realty - Birmingham, AL
Serving Jefferson and Shelby Counties (Alabama)

All I can say is "ain't" God GREAT!!!!!

Feb 26, 2013 12:16 AM #321
Jason Sardi
Auto & Home & Life Insurance throughout North Carolina - Charlotte, NC
Your Agent for Life

Sorry so late to stop by, Gail.  Hope it indeed worked out.  The power of Social Media is amazing!

Mar 16, 2013 01:28 AM #322
Andrew Mooers | 207.532.6573
Northern Maine Real Estate-Aroostook County Broker

Thanks for sharing, hard times but you are strong, persevering and good does happen. You have to wait for it.

Mar 28, 2013 04:17 AM #323
Annette Thor
Connecticut Homes and Commercial Fairfield Cty,CT - Westport, CT
Residential & Commercial Real Estate Broker in CT

Gail, If the banks cant follow rules of decency and ethics, then others need to be in charge of making sure they do, All the best to you and your husband Gail !  Perhaps we will meet when you have some good news to share!

May 10, 2013 08:27 PM #324
Gene Riemenschneider
Home Point Real Estate - Brentwood, CA
Turning Houses into Homes

Gail I missed this story floating around Active Rain.  I am so happy for you.  It is nice to hear good stories with happy endings.  I hope things continue to go well with you and your husband.

May 14, 2013 04:57 AM #325
Dana Basiliere
Rossi & Riina Real Estate - Williston, VT
Making deals "Happen"


I too missed your story and only today saw the one where the sent the decline letter. I hope BOA wakes up.

May 18, 2013 11:54 AM #326
Inna Ivchenko
Barcode Properties - Encino, CA
Realtor® • Green • GRI • HAFA • PSC Calabasas CA

I really admire you, Gail for standing up and making your story public and inspiring many of us.

 We are all connected and we can all be in a similar situation when we need help. 

Jul 28, 2013 06:30 PM #327
Robert Adams
Broker at The Adams Team at Rothwell Gornt Companies in Las Vegas & Sankey Real Estate in MA - Las Vegas, NV
Real Estate Broker in NV, MA, & RI

Glad to hear you finally were able to get a loan mod that worked for you. I am sorry to hear about him passing but at least he is not suffering anymore and also had the piece of mind that your loan was taken care of. Best of luck to you and your family in the future.


Best Regards,
Robert Adams
The Adams Team at
Rothwell Gornt Companies
Dec 30, 2013 05:07 AM #328
Eric Galuppo
Real Estate Rev - More Leads Means More Revenue

I’ve found your post from Kerrie’s post TOP 5 most commented on posts of 2013. So I’m here to congratulate you!



Dec 30, 2013 10:28 AM #329
Jane Chaulklin-Schott
TEAMCONNECT REALTY - (407) 394-9766 - Orlando, FL
TeamConnect Luxury Homes - Orlando, Florida, 32836

Gail, so sorry to hear of your husband. My husband died of pancreatic cancer and myself and our 9 children have missed him. Prayers were answered and you finally got your permanent loan modification. What a relief for your husband and you. Nice it happened before your husband died; I could feel my husband's concerns for me and our kids before he died. Best wishes for the New Year, Gail. And congratulations on being in the top 5 Featured/Commented.

Dec 30, 2013 11:41 AM #330
Andre R. Aragon
Greater Tampa Real Estate Photographer - Tampa, FL
Real Estate Photographer

Hi Gail - I am so sorry for th loss of your husband. I remember your original posts. Thank you for your updated post. Much Happiness and Success to You and Yours in 2014!

Dec 30, 2013 09:28 PM #331
Rosie Moore
Serving Sugar Land, Richmond, Rosenberg, Missouri City - Sugar Land, TX

Gail, I am glad everything worked out for you and that BOA was able to modify your loan.  I wish you many blessings in 2014.  Remember, your late husband is watching over you from Heaven.

Dec 30, 2013 09:34 PM #332
Allison Werner
Gloria Nilson & Co Real Estate - Middletown, NJ

Gail~ My condolences on the loss of your husband, and I am truly happy your modification finally went through. I know many major companies do monitor social media, mostly to spin their own PR, so it is good to know that in this case it worked to your benefit. Have a wonderful 2014! 

Jan 08, 2014 02:47 AM #333
Judy Greenberg
Coldwell Banker Long Grove - Buffalo Grove, IL
Coldwell Banker - Buffalo Grove - Long Grove Homes

Wow this story is unbelievable... the power of Active Rain... So Sorry about your husband... 

Jan 08, 2014 09:49 AM #334
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