Bank Of America Mortgage Modification Class Action Lawsuit

Lea and Gregory/Debra …

For your own sake, please click on “Previous Comments” in light blue at the top or bottom of this column and read through past posts.

Pay particular attention to my list of items that may help your situation two pages back, although there are several other posters with other valuable information.

Are there any current lawsuits or formal complaints being waged against Bank of American. They are still quilty of the same practices that were settled in the last class action suit. I have submitted to remod packets, denied once, reapplied and denied HAMP in Jan 12. Reps from the bank determined I was not eligible for HAMP and stated that my file was under review with the underwriters to see what programs are available that would help. It is now Oct so almost a full year. I am very frustrated and want to file a formal complaint. It is extremely stressful and very annoying to have them continue to provide scripted updates without resolution or assistance. Please advise. Thanks

Hello everyone. I just wanted to provide on update on our Federal case against Bank of America filed on Decemeber 2010 (Case No. 6:10-cv-01933-JA-DAB). So far, we have not heard anything from the judge. The last Order that was issued on our case was granting the Defendant’s (BofA) Motion to Strike Untimely Expert Witness Reports. Since the judge did not allow this crucial evidence for our case, we had no other choice than to file a second lawsuit (see the link for our recent press release below). We are in the home-stretch and if nothing changes, we will be set for trial on November 5th (over a month from now). There will likely be a pretrial conference/hearing this month also but we have yet to be notified if there will be one. As many of you know, Bank of America’s abuses not only destroyed me emotionally and physically but has also affected my autistic children. If this indeed goes to trial, we are asking that anyone who is in the Orlando, Florida area to please show up to the courthouse on the day of our trial to show their support. It would be great to see many friendly faces of people who are on our side because we are pro se and we have no idea what to expect from the judge (is he pro-bank or pro-justice) when trial begins. It would also be great to get the autistic community involved to show their support since we all know that Bank of America is guilty of discriminating against the disabled. Please spread the word.

If any of you would like to write to the judge presiding our case to make him aware of the abuses and illegal activities that you have also been subjected to by Bank of America, please feel free to do so. After all, we are all entitled to be heard. Here is the info:

The Honorable John Antoon, II
United States District Judge
U.S. Courthouse
401 West Central Boulevard
Suite 1200
Orlando, Florida 32801-0120
407-835-4200

Thanks again for all your support and I will keep everyone posted on any developments.

http://www.free-press-release.com/news-florida-couple-abused-by-bank-of-america-are-asking-for-support-at-the-courthouse-on-day-of-trial-1349575054.html

Tip of the tip of the tip of the iceberg …

latimes.com/business/money/la-fi-mo-mortgage-modification-scam-crackdown-20121010,0,4483816.story

For any of you who have wondered what I sound like, here’s your chance …

http://www.blogtalkradio.com/senka/2012/10/14/youre-part-of-the-solution

I also was denied modification by bofa and Fannie mae. the investor, fannie pretend they were trying to help me and they also denied modification the reason was I quote Excessive Forberance, What the hell is excessive
forberance. they just want the house back and to keep my money

Hello,
I am new to this website. Thanks for having this.
My husband and I have been trying to get a loan modification since Nov 2009…yes 2009.
There have been many mistakes in our file. We were approved for a loan mod in Sept 2010, but it was incorrect based on the income, so the bank was going to work on this and send out new trial docs. Then we were told that WE, the homeowners declined a loan modification, which is not true. This is what we have been trying to do.

We were told in September 2012, that we were approved and that our new trial docs will be sent shortly.

We were just told a few days ago that the new trial docs were sent in July 2011, which they never were and we can not get another loan modification, since we did not participate. Someone at the bank recently made this notation in our loan file. This has never been in our file before…we hire someone last fall to review our loan modification information.

Also, the bank NOW has the wrong address for us, so we are not getting any Fed-Ex packages, mail, etc. Someone across the country is receiving our mail. The address was changed by someone at the bank approximately six weeks ago ..how or why we do not know, but the bank is aware of this, but yet continues to have the wrong address. The couple has received approximately 12 Fed-Ex packages and has been sending all of them back to the bank via Fed-Ex except one. They sent a copy to us. This couple also has a loan with this bank, and they too have been calling regarding the address. The documents being sent to this couple has our name, our loan number, but their home address. This couple has all of our information. Also, their last name and first names are not even close nor is the loan number.

Have you heard of this before?

Again we have another sheriff sale coming up without any type of resolution on our loan, and now our file is much more mixed-up.

Please Help. Thank you.

How do I qualify to be involved in this lawsuite.
Bank of America, has made me almost 2 years behinde in my mortgage and they refuse to work with me.
please help

Ana …

Tom is essentially correct. The article that started this forum is very specific and only for residents of Washington State. It’s also an old lawsuit.

HOWEVER …

And Ana … PLEASE pay attention here …

I hate to be the one to point it out, but it’s pretty clear you really don’t understand what’s happening … OR … how to go about saving your home.

There are no heroes.
There are no magic buttons.
There are no miracle lawsuits.
There are no quick fixes.

YOU have to act to save your home.
YOU have to learn what’s going on here.

Sorry … but that’s the simple fact of the matter.

To get started, I’d recommend you read a list of things … 21 items … on a previous page that may help you fight the bank. See —

https://classactionlawsuitsinthenews.com/class-action-lawsuits/bank-of-america-mortgage-modification-class-action-lawsuit-filed/comment-page-22/?utm_source=feedburner&utm_medium=email&utm_campaign=Feed:CommentsOnBankOfAmericaMortgageModificationClassActionLawsuitCommentson:BankOfAmericaMortgageModificationClassActionLawsuit

Scan down the page about 3/4ths of the way and you’ll find the list.

READ AND LEARN …

… then ACT to save your home.

I’m sorry if I sound terse or bossy, but what we’ve been told about banks, modifications, and even how courts can help us ARE LIES.

What you think will help you is based on lies.

Re-educate yourself on how this really works.

Ana …

Let me try it this way …

What is it you’d like to accomplish with a lawsuit?

What is your goal?

OK I keep seeing people talk about their problem with the Bank taking our homes and the government knows this is a problem yet we still are being made to go through more hell to fix it ourselves? why are they not actualy helping us I just want to get the VA back on my laon that BOA took off and get BOA out of my life for good. The stress this has caused is insane and i think i am about to crack. But they Will not be allowed to send any more unannounced strangers to take pictures and scare my children I will fight this till the end but without legal help I can not do it alone. Any one have a answer as to where we can go to get legal help without paying up front? State of Washington.

I can see I need to repost my list again on this page. I try not to repeat this post too often since it takes up so much space. You may find it helpful.

I know what I’m about to suggest is time-consuming and stressful, but you should also consider reading [backwards] through this site. Lots of folks, not just myself, have learned a lot from this experience and shared it here. That’s where this 25 point list below comes from.

Taking the time to research, learn and understand how all this works will go a long way to helping you save your home. Remember, there are no heroes. We have to be our own heroes.

Read back as far as you have time for, and concentrate on posts that tell you things you didn’t know about banking and mortgages.

Below are 25 items that may help you save your home –

The list below was accumulated from the experiences of a variety of people going through the same pain and similar circumstances as the stories being told here including myself. Unfortunately, these stories are in the tens of thousands, coast-to-coast. We all have to learn what’s happening and how to deal with it, a sometimes painful, but revealing process.

You DO have rights. For the most part, this is NOT your fault. Hopefully, you’ll find this list informative and it will help you turn the tables.

If you want to keep your home, you have to fight for it … but ALSO, you’ll have to learn how this game is played. Unfortunately, this IS a game to them. It’s how they can manipulate things to get as much money as possible. After all, that’s what their stockholders DEMAND … profit, profit, profit. That means getting money (your home equity) from YOU.

Please try and read ALL of this, and research for additional information. Google is your friend. So is Wikipedia. Whenever you get legal terms you don’t understand, look them up so you know what they mean.

1 ) There is a CRITICAL hurdle for most people to get over FIRST before they do anything else. It is VITAL for you to come to understand this before you proceed. The bank is NOT in the business of helping you or making sure you have a roof over your head.

Let that sink in a minute.

Banks are in the business of MAKING MONEY … period. It’s very important you come to understand this. What we have been raised to believe is NOT true, that banks are somehow our “partners” or benevolent institutions designed to take care of us.

Nothing could be farther from the truth. The truth is the fact that the banks’ shareholders DEMAND profit, and the executives, boards of directors and employees are ordered to get it. That’s what they do .. all day, every day … plan and scheme to get YOUR money … and these days it’s as fast as possible, legally or illegally.

Face the fact. All they want is your house.

2 ) One other thing has emerged … I experienced it myself … try to GET OVER ANY SHAME OR EMBARRASSMENT. For most people, this is not your fault. You have no control over the national financial environment. You are merely exercising your rights. In fact, you should be BOLD about exercising them. Don’t let anyone convince you that “you were just asking for it.”

More than that, you should turn the idea that you’re a victim around completely. You must become a WARRIOR to save your home. Banks are NOT in the business of servicing your needs and are ONLY in business to PROFIT. If that means taking your home … even illegally … THEY WILL TAKE IT. This is a war for the very roof over your head.

Learning HOW to fight is CRITICAL, but realizing the banks are using shame and embarrassment against you is a critical step to getting there.

3 ) If you haven’t made a journal/diary of your mortgage modification experience start NOW. Record every instance every time it happens in detail. This is critical for a court case, but can also be helpful for Attorneys General and Agency complaints and for your politicians, should they get involved … and you NEED to get them involved.

4 ) Sit down and write out as complete a timeline as you can from the beginning of your experience with as much detail as you can recall. Take time to do a thorough job. This may sound like the same thing as Item 1 ), but you need a complete record of your experience from the moment it started.

5 ) Save every scrap of paper, notice, letter or any communication having to do with the bank or your mortgage. Organize it chronologically and by category. Keep it neat and tidy in case you have to go to court.

6 ) Call your State and Federal representatives, Congressman/woman, State Assemblyman/woman and inform them of your situation. Calling is preferred over emailing. It puts a human element into the contact. Ask for help. Don’t hesitate.

It’s their job to oversee your community and the goings-on in it. It’s why you elected them. INSIST that they help you if they try to wiggle out of it. Mine were VERY cooperative and helpful. See the Carbon Copy Contact List below for suggestion of who to contact, but research for ANYONE in your State that monitors contract law or banking.

7 ) Once you’ve contacted your politicians (See Carbon Copy Contact list below) and they’ve started to help you, tell all your friends, family, co-workers and anyone else who knows you to write to them and THANK them for helping you get through this difficult time. DO NOT have them criticize, complaint or tell stories … NO RANTING. Just a short thank you will make it clear to your politicians that people are watching their performance. No need to get into detail. They’ll KNOW they’re being watched just through a simple thank you.

8 ) Do some research and find out if your mortgage is registered with MERS (Mortgage Electronic Registration Systems, Inc.). You may even have a paper in your records that tells you it is. This system is being proven nationwide as a ponzi scheme (scam) and it’s entirely possible that your mortgage document was SHREDDED by them, which nullifies your mortgage. You’ll need this information later on.

9 ) Get any attorney … or someone with legal experience … you can find to advise you from church, synagog, friends, family, neighbors. Retain one if you can afford it or call legal aid if you can’t. These are “contractual negotiations” that involve Statutory Law and a lawyer will navigate that best. Tempt them with the possibility of getting a piece of a suit. The point is to LEARN about what you’ve gotten yourself into.

10 ) Many people feel lost and alone in this. Many organizations have popped up that can help in a variety of ways.

I highly recommend that you DO NOT PAY ANY ORGANIZATION to guide you through this foreclosure scam. If they’re charging you, they’re likely doing it only to make money, not to help. Non-profit organizations are much more likely not to be distracted from helping and concerned only about making a buck.

I do not wish to promote one non-profit over the other, but have found the Hope Hotline (888-995-HOPE) and Money Management International (866-290-2655) to be useful. Use HH or MMI (or any similar NON-profit) literally EVERY TIME you call the bank.

A representative from these organizations will likely be available to be with you through your calls to the bank. They will also keep a record of the call and your communications (although it can’t be released without a subpoena from a court). But if it goes to court, you can get it that way. It’s also MUCH better to have the bank people hear you’re not alone on the phone. One way the banks have gotten away with all this is keeping homeowners isolated so they can have their way with them.

11 ) DO NOT LOSE CONTACT with the bank. Don’t ignore your situation or think only they should be calling you. Call and call and call and call the bank until you get results and cooperation. If you’re using HH or MMI, they’ll ask for supervisors. If you’re not, YOU ask for supervisors.

I know from more than three years of this garbage how much it cuts into your personal (or even work) time and how traumatic it is, but big corporations BANK on you getting frustrated and giving up. DON’T GIVE UP. Hold their feet to the fire. Press them constantly for the action you want … whether it’s your modification or any other “loss mitigation” process you’re entitled to.

If you’ve been “escalated” to the Office of the CEO and President, record the call (check local laws – SEE ITEM 24) and make NOTATIONS during the call. INSIST on instruction IN WRITING for any of your document submissions and DO NOT ACCEPT VERBAL INSTRUCTION. Verbal instructions can be contradicted or misunderstood and the banks have been saying one thing and doing another. Remember, the law (should you end up in court) only cares about what is WRITTEN, not what was said.

NOTE: REPORT ANY very short response times imposed on you (See Carbon Copy list below). Banks are becoming famous for taking their time to process (or lose) your papers, but impose unreasonably short deadlines on homeowners. This trips you up and invents a “default” in the process so they can take your home. DO NOT tolerate these actions by the bank and make yourself known … BE INTOLERANT of the games banks play.

12 ) I know this is hard for you, but PAY THE BANK, and keep up your payments as close to on time as you can. This is ALL about the MONEY. It’s a contract and your end is feeding this behemoth monster your hard earned cash. You agreed to it when you signed the mortgage. Courts (and negotiators) will want to see your willingness to pay, as will your politicians and regulatory agencies. It’s your “good will” that you’re willing to work it out.

Some homeowners have stopped paying their mortgage entirely. Most believe their mortgages are illegal or invalid OR someone (perhaps even the bank) has convinced them. It’s my recommendation that you do NOT do this unless you are utterly confident that you have the PROOF (documentation) and you are willing to sue to get your home free and clear (Quiet Title – see item 25).

Remember, if you DO end up suing and you prove the bank did something illegal (to take your home or money), you can also sue to get your money back, with interest.

13 ) NETWORK AND FORM GROUPS. Find as many people as you can in your State that are going through this AND keep in contact with forums like this or others — in other words FORM GROUPS. The ONLY power any of us have over this monster is NUMBERS. It is literally “United We Stand, Divided We Fall.” One-by-one they can take us down, but as both national and State groups, they’ll have a hard time of it.

But also, by keeping active and communicating with others, you’ll educate yourself on how to go about this. You’ll learn (and perhaps even teach others) and spreading the word and getting others active is CRITICAL to whipping these banks into line … as well as keeping agencies, law enforcement and politicians involved.

14 ) File a complaint with your State Attorney General and the OCC (http://www.occ.treas.gov/customer.htm) and EVERY OTHER GOVERNMENT AND LAW ENFORCEMENT agency you can think of (See Carbon Copy list below). Research your State and complain to any applicable agency. Be sure not to “rant” and provide information in the form and with the content they request. Keep your information factual and do NOT emotionalize (or rant).

15 ) Contact your telephone company and request call records to and from BofA, or get all your calls and highlight them. Add that to your package of evidence. You may end up in court, so records are critical. A judge will need to see proof that you suffered through endless calls.

16 ) Compose a letter asking the media … OR CALL … television, radio and newspapers … asking them to look into this problem. Describe your situation BRIEFLY, then forward it to every news program and news agency you can think of (or call). There are lists of contacts throughout this blog.

Key Point: News people are a bit “legalistic” in covering stories and require documentation and facts. Although they respond to emotional pleas, they will likely ignore incoherent rants, finger-pointing and unproven accusations. Be factual in your letters and phone calls. The emotions will come across even if you try not to. AVOID EMAIL since emails are all too easily ignored.

17 ) Learn about, compose and send a RESPA/TILA (Truth in Lending Act) qualified letter, or “Written Qualified Request” (QWR) to the bank and other regulatory agencies, and include anyone (politicians) who might be monitoring your case (see below). Federal law (the UCC – Uniform Commercial Code) REQUIRES banks to provide you with DETAILED information on your mortgage.

RESPA is explained on these two government sites –

hud.gov/offices/hsg/rmra/res/reslettr.cfm
 ftc.gov/bcp/edu/pubs/consumer/homes/rea10.shtm

Samples of letters can be seen (copied) here –


nololawlibrary.com/foreclosure/7-2d.shtml


foreclosureindustry.com/2009/08/qualified-written-requests-respa-and-mortgage-servicing/


scribd.com/doc/11903044/Respa-Letter

Insert your personal information, rewrite the opening paragraph(s) to describe your personal concerns, and customize the “demands” to your own case, preferably with the help of a lawyer or someone with legal experience.

DO NOT send via email, and use the Postal Service, certified mail, return receipt requested. Copy all related people/parties the same way (See list below).

IMPORTANT NOTE — The banks have been OPENLY denying complete and proper responses to QWR’s, including denying information about your “Blue Ink Note,” either where it is located or actually producing the note/mortgage. “Blue Ink Notes,” the original mortgage you signed, MUST PHYSICALLY EXIST, and banks are required by Statutory Law to PROVE they still have it, either by affidavit by an officer of the company, or in court with the Note in their hands.

This is a FUNDAMENTAL TENET of contract law … an unbreakable basis for law. The physical paper contract must exist.

Receiving a COPY of the original mortgage DOES NOT SATISFY this requirement. A copy IS NOT THE ORIGINAL NOTE. Many mortgages were “registered” with the MERS system, which is being challenged nationally as an ILLEGAL SCHEME for the banks to avoid paying transfer fees to counties. MERS SHREDDED at least 40% of 63,000,000 mortgage contracts, and yours may be one of them.

18 ) Also … and this is tricky … this is ALL about contract law, which is called “Statutory Law.” It literally has NOTHING to do with Right and Wrong, but what contract law expressly states. This is NOT “Common Law” that talks about the rights of a human being. This is about your “fictitious corporate self” that’s a party to the contract … NOT YOU as a human being. Statutory Law only sees the “contractee,” not the human being. Statutory Law couldn’t care less whether you live in that house or not … just whether the contract is fulfilled.

READ your mortgage and READ your restructuring agreement. Everything that’s happening to you is based on THOSE, not Right or Wrong … or have someone who understands legal language read them and explain what they mean.

Contract violations are what Class Action Law Suits are based on … contractual violations, and that’s all a court will listen to.

SEE ITEM 21 regarding “Filings.”

Remember, this is a nation of laws, courts and parties to contracts … NOT common decency or even Common Sense. Work to save your home. Complaining gets you no where. Working hard and learning “the game” they play is the only thing that works.

19 ) DO NOT attempt to jump right in and attempt to solve your situation with a lawsuit. First of all, lawyers are running away from these cases as fast as they can. Banks have TREMENDOUS legal power and lawyers know this all too well.

Thinking you have much of a chance in court is a GRAVE mistake if you aren’t thoroughly prepared. Do everything you can to stay OUT of court since that’s where the banks have the most power and influence. They have THOUSANDS of lawyers on their payroll and know every nook-and-cranny of the law.

Lawsuits are NOT a “magic fix,” especially if all you’re fighting for is a modification. Sue, and you immediately become an “adversary” and all the rules change. Keeping the pressure on banks WITHOUT going to court … except perhaps using “filings” (See Item 21) … should be completely exhausted before resorting to a lawsuit.

… and …

If you MUST sue, consider filing INDIVIDUALLY (See Item 20), not under a class action lawsuit. A class action huddles dozens if not hundreds of homeowners under one suit, with one narrow set of criteria AND, more critically, the banks only have to send one small team to fight MANY homeowners. Individual suits are MUCH harder for the banks to fight, bleeding their legal dollars far more than class actions.

… but also …

Most lawsuits are won and lost on the DETAILS. A class action suit squashes all the details of your case. IF ANYTHING, consider a “Mass Joinder” suit where each and every plaintiff has the opportunity to be heard.

20 ) Consider stretching your budget to file an INDIVIDUAL lawsuit (Also SEE ITEM 21), rather than being lumped in with a class action. Jamming up a bank’s legal department with multiple suits is far more effective than allowing them to combat one class action. A class action puts you in a barrel with all the other fish.

It’s also been suggested that you can file yourself, without an attorney. It’s called “pro se.” When you sue personally, you can name names. You’re not held to the same standards as a lawyer. You can sue everybody, including the “negotiator” or “customer advocate,” the clerk, register of deeds or even the court itself if they contradict the law, by filing criminal charges against even the judge. You can name anyone on any paper that relates to your mortgage.

21 ) AN IMPORTANT DISTINCTION — “Suing” isn’t necessarily going to get you what you want, which is likely your modification. Once you “sue” them, you become a litigant and your modification negotiation is likely dropped, waiting for the court to make a decision, which could take years … and there’s ways for them to take your home anyway in the meantime.

Now, “FILING” is a different matter, such as a “Motion to Compel” or and “Emergency Injunction.” Those aren’t “lawsuits” but are things where you can ask the court to force the bank to do something, or stop them from doing something they shouldn’t be doing.

These are basic legal principles many people aren’t aware of. Most people think courts are for either “prosecuting” or “suing” … not so.
 Courts will also protect rights, if they agree with someone that applies to the court that rights … or a contract … are being violated. “Suing” doesn’t do that. “Filing” can.

22 ) There’s also been the suggestion that you file bankruptcy. Bankruptcy is a complicated and often expensive process, and not everyone qualifies … as described here …

http://www.uscourts.gov/FederalCourts/Bankruptcy/BankruptcyBasics/Chapter13.aspx

It can be a difficult decision, time consuming and possibly expensive, seriously affecting your credit for years, but a solution none-the-less.

23 ) Isabel Santamaria from Florida is spearheading the collection of your stories for use in court against the banks. This is a CRITICAL use for items 3 ) and 4), your journal/diary and timeline, or simply a statement of your experience.

Banks are being found guilty in court for a pattern of fraud when many “affidavits” are presented describing the same pattern over and over with many people. Telling just your story in court doesn’t cut it. Judges, courts and juries need to see the testimony of many homeowners to understand (and record) a pattern.

You should have these timelines and journals notarized, scanned, and placed in the “repository” or online data base we are developing so anyone suing or filing against the banks can access the statements when filing a suit.

In advance, you should be aware that you can’t remain anonymous to the court. You’ll be providing your contact information and signing these statements. Judges and juries need to see that you’re a real person.

You can’t just “claim” widespread, systematic abuse without documentation. You have to PROVE it with affidavits. A database is being created and the details are being worked out. More news and details later as they develop. Email Isabel at Isabel-1229 [at] hotmail.com for details and updates.

24 ) Although it’s controversial and you should check your State and local laws before hand, you can record your conversations with the bank WITHOUT telling them. When they say “This call may be monitored or recorded …” they have broken a basic principle of law called the “privacy covenant,” where phone calls have a basic expectation of privacy. Once they say that, you can record to your heart’s content. But again, some attorneys express caution, so check your State’s laws.

25 ) Research is showing that filing for Quiet Title can be tricky and possibly expensive, although not impossible. It’s my opinion that it’s going to be based on a LOT of research before you dive in. Apparently, the courts will be VERY careful to dot every “I” and cross every “T” and several people are suggesting a Quiet Title specialist attorney.

Of course, introduce “attorney” into it and you immediately add $$$.

Make that a specialist and I’d imagine you’d easily double it.
That’s probably where the research plays a critical role … including ramming a RESPA/TILA letter down the banks’ throats, as well as hunting down actual paper records of your loan in your county/parish.

It’s not going to be as easy as “the bank did me wrong, so I want my house” and the judge saying “ok.” There’s going to have to be provable fraud or broken “chain of transfer” eliminating their right to your property.

Even before you approach an attorney, you’ll need to know these things AND have accessed the documentation to prove it, or you’re wasting your time. It’s far from impossible, and could even be highly likely given the MERS debacle … well, shall we call a fraud a fraud … but going the Quiet Title route is going to be work, work, work.

Carbon Copy Contact List —

This is a list of politicians, governmental agencies, law enforcement and other organizations you should Carbon Copy on ALL YOUR CORRESPONDENCE with the bank. Contact them directly if you can … by phone … and talk to a real person. See my note at the bottom –

Michael J. Powers, Ombudsman
Federal Housing Finance Agency

1625 Eye Street, NW

Washington, DC 20006-4001

Federal Housing Finance Agency

1700 G Street, NW
4th Floor

Washington, DC 20552

Jon T. Rymer, Inspector General FDIC

Room VS-E-9070

Virginia Square, L. William Seidman Center

3501 Fairfax Drive

Arlington, VA 22226

U.S. Department of Justice

Glenn A. Fine, Inspector General

950 Pennsylvania Avenue, NW

Washington, DC 20530-0001

Fannie Mae
Mortgage Fraud Program

3900 Wisconsin Avenue, N.W.

Washington, D.C. 20016

Larry L. Hattix, Ombudsman

Comptroller of the Currency (OCC)

Office of the Ombudsman

250 E. Street, SW, MS 9-3

Washington, DC 20219

Comptroller of the Currency (OCC)

Administrator of National Banks

250 E St SW

Washington, DC 20219

U.S. Department of Housing and Urban Development

Attn: Fraud, Waste and Mismanagement

451 7th Street S.W.
Washington, DC 20410

Office of RESPA and Interstate Land Sales

Room 9146
Department of Housing and Urban Development

451 7th Street SW

Washington, DC 20410

Federal Trade Commission

600 Pennsylvania Avenue NW

Washington, DC. 20580

Both Federal Senators
 (Google)

Federal Congressperson of your District
 (Google)

Both State Senators, or the State Senator responsible for your district (Google)

Your State Assemblyperson (Google)

Your Attorney, even if they aren’t retained yet

Your State Attorney General (Google)

Your District Attorney’s office


Check for specialized lawyers under the DA (Google)

The Sheriff’s Office of your County or Parish (Google and name the Sheriff)

Any and all media you can think of (publicity is critical)

For telephone numbers and email contacts for all of the above use Google — but WRITTEN PAPER CORRESPONDENCE has greater impact.

Jo Anne …

Please try and understand.

There is no “list.”

There is no one here that will simply add you to a list.

The lawsuit mentioned in the article on this web site is not only old, it is only for residents of Washington State.

It’s so old, the owners of this web site don’t even have the news article posted anymore.

There is no class action simply to add your name to … neither would that likely be what you want.

What do you want?

What happened to you?

What happened to your home, mortgage or modification?

What do you think a class action lawsuit will do?

These questions are unavoidable.

You can’t simply dismiss them and believe your problems will simply be solved by adding your name to a list.

The majority of people talking on this web site and forum are homeowners attempting to figure out how to save their homes from [allegedly … HA!] illegal foreclosures.

… but until you can clarify what you want or need, there’s no one here to help you.

Sorry about that.

Came across this website and it brings tears to my eyes reading all the comments. I too have had my dealings with BOA for years. Purchased my house in 07 right before the housing market crashed good. Couple years later I came on hard financial times and tried many times to modify my loan and was turned down every time. They then put me on a pricey repay plan, but I was bound to make it work. I made my first big payment 3/11/10 and 2-3 weeks later I was served forclosure papers dated yes 3/11/10. I fought filing different papers here and there just to keep things at bay and be able to stay in the house as long as I could. I finally resorted to bankruptcy. I’ve been discharged from it for almost six months and they still have not picked up and continued on with the foreclosure. I’m just saddened that I tried all I thought I could do to save my home, but they would rather turn me down and not get any payments for years at a time and let a property just sit vacant. I moved out shortly after my bankruptcy. I continually get documentation from them and most recently received a letter by Fedex informing me my second small loan was forgiven. My bankruptcy attorney told me the government made them do that on small loans they wouldn’t get anything out of anyways, but none the less. It’s hard to understand how they could be so not willing to help me, but then can just send me a forgiveness letter for a $20,000 something note. I’m not done with them though. Don’t know the plan yet , but I’m going to do some more research. My attorney suggested yet contacting them for another modification (haha I laughed in his ear) since they forgave the small loan maybe they would modify the large loan or to try contacting the making homes affordable program. Or of course since the bankruptcy I could just walk away and be totally done…..and someday they might finally leave me alone.

Finally, I have been approved for a modification. The new payment is $100.00 less than we were paying. I was forced in to filing Chapter 13 and I think that helped some what. All the missed payments and miscellaneous charges were tacked on to the mortgage which is 40YEARS and will be paid off in 2052 when I am 106 years old! It’s been a long, long stressful summer and now I can breathe a little. No one should ever do business with BOA…no credit cards, no checking accounts, no savings account, no nothing. They are snakes with out any respect for the ‘common man.’ My advice to all of you still struggling is to get a GOOD real estate/bankruptcy attorney and do what you have to do. If you file for Chapter 13 your attorney could be paid by you through your trustee. That’s what we did and the trustee takes the money out of our checking account every month for the next four years. Good luck to all of you! Judy

How do we find this legal group, that brought the class action suit
against B of A. because we need to bring this law suit forward to 2013.
We have tried for over a year to get a modification thru HAMP and
Making Homes Affordable and have been turned down. We know of
other people in our state, Kentucky, that have denied also, could you
please forward this to this lawyer or his legal group, because we are
in desperate need of help. We have been scammed 2 time already
and are afraid to trust, but this looks very trustworthy. please help!!!!

Sincerely
Carol L. Garrison
Phone# 502 859-8111

Hello all: I too have gone through a lot with Bank of America. They bought my loan from Countrywide. Need I say more. All of the sentiments I am reading are comparable to mine. Now another monkey wrench has been thrown in. I was at the end of my third attempt at modification and they informed me that my loan was assigned to Resurgent Mortgage Servicers. OMG They are debt collectors! I can no longer get in touch with my BOA home retention representative. I am in the “older people” class. My home is all I have and I am depressed after all of this dangling of the carrot. Does anyone else have any comments on BOA and Resurgent? Any advice???

Update: My Mom’s BoA returned her call. Apparently the figure given on the letter of intent to accelerate foreclosure included Novembers and Decembers mortgage payment and assorted late fees. My Mom payed the November mortgage but it was posted late hence the letter.

BoA contact told her everything should be okay, just pay her December payment when it is due and include a separate check for the November late fees…Relieved, the BoA contact said she would contact my Mom the following evening and have a conference call with Payment Research to go over any late fees on the account.

As we talked to the Payment Research rep, we learned that BoA applied Novembers payment to October. I asked why they would do that since my Mom has never missed a payment? The rep did some research and realized the May 2012 payment was “misapplied” to my Mom’s escrow account. Meanwhile late fees accumulated. This is so unreal. Most companies would collapse with this kind of book keeping yet BoA continues on sucking the life out of their “valued” customers.

Just wondering what would have happened if my Mom would have came up with 2 months worth of mortgage payments. Where would that money have gone. How many times does BoA misapply payments, fire off a letter of intent to accelerate foreclosure and the home owner, freaking out, not doing any investigating, loses their homes under error by BoA????

Folks …

There’s several groups on Facebook that are forming and cooperating to create a national coalition of homeowners … a “union” of sorts … designed to help people nationally to defend their homes. One organizer recently expressed frustration about politicians that seem to support these insane efforts by banks and others in this “national illegal land grab.”

This was my response —

I’m gonna get a little tough on you for a minute, mostly because I know you can take it.

Trust me, I’ve been “sick-and-tired” myself, and for a lot of years, but there’s a simple fact that we’ve both avoided.

It’s really just that, a “simple fact,” and if we continue to avoid it, they’ll continue to win. They’ll continue to steal, lie, cheat and financially rape everything they touch or even reach for.

That simple fact is that they are … literally … mentally diseased.

They don’t think like us.

They don’t care about the things we care about.

They are entirely dispossessed of the moral character you and I take for granted …

… and in most cases it’s generational.

They were raised that way.

They were taught from the crib that people like you and I don’t matter. The only thing that matters is their own position, their own comfort, their own power, their own wealth. An “average person” is not them and that average person is merely a resource to an end … and even that end is never ending.

Worse than that, they’re taught to maintain a facade that makes you THINK they think you matter.

These are the actions of con men … and women … criminals with twisted minds … grouping together, self-rationalizing, patting themselves on the back for a job-well-done …

… financially raping and pillaging at every opportunity.

“It’s just business.”

They got your money, and that’s ALL that matters … not the truth … not whether anyone but them benefited … not whether they did what they said they’d do … nothing mattered but “cash flow.”

That’s mentally ill …

… literally.

This is the simple fact.

This is a war between crazy people and people who are struggling NOT to be crazy …

… “struggling” because the crazy people are recruiting twenty-four hours a day, three-hundred-sixty-five days a year to make everyone just as crazy as they are.

The majority of the American Public has been driven out of their minds and beaten into submission by this gaggle of nut-cases with money and power.

“The first step to recovery is awareness.”

First, acknowledge the undeniable fact that this nation (at the very least) is controlled, structured and dominated by the insane.

Only from THAT basis do you have the slightest chance of changing it.

Only by dragging this fact out into the clear, bright light of day for all to see will anything ever change.

As long as people see this insane system as “normal,” it will continue to BE normal.

And that’s just Step One.

There’s another hundred after that.

But at least it’s a realistic start.

I purchased my home in 2006. The loan was set up for failure from the start. I have been dealing with mortgage modification since Sep. 2009. I have submitted my paperwork over 20 times. My home has been put up for auction several times. I have fought and fought to save my home but am at the point of giving up. Even now I receive letters asking me to call my BOA rep assigned to my loan. However I calls each day but no answer and no response. It’s the same CRAP an on going dead end cycle. I can’t take thl roller coaster and have shed enough tears. I wish I knew to take so I could file a law suit. Money isnt the objective I just don’t want some young couple starting together to end up having their dreams shattered by this terrible heartless bank!

Tonight on the national news the talk was about forecloser reviews by fourteen big banks that are required to review “illegal” foreclosings.
The last day for reviews is Dec. 31, 2o12 midnight. YES! TONIGHT! I knew nothing about it because the 14 mortgage servicers, supposedly sent notifying mailings Nov. 1, 2011. SURE THEY DID !! The Comptroller of the Currency is in charge. Write them to extend the deadline as they did once before. Tell, or call your senators, congresspersons, just maybe the newly elected people might help. Only ten percent of the four million affected persons have responded !! Isn’t it obvious the word was never passed on to us ?

Sheila … Liz … Cynthia …

… and anyone else that “wants to be included.”

Please try and understand a couple of things.

I hate to be the bearer of bad news, but that’s not how either this site or our legal system works.

For your own sakes, and for the sake of the roof over your heads, it would be an idea to pause, do a little research, and think about what you’ve asked.

First, there is no suit simply to join. The one that started this blog/forum is ONLY for residents of Washington State, and the same law firm started another similar suit in California. But also, there is no list simply to sign up for. NO ONE on this site can sign you up.

But that’s not the only problem with your request.

What you likely want is your modification. You want the bank to “do its job” and stop giving you a hard time.

The lawsuit you imply … the one you think is here to sign up for … would NOT do that, even if it existed. That’s NOT how our legal system works.

Both myself and several other homeowners have talked about this AT LENGTH here and elsewhere. I would strongly suggest you read through this blog/forum (for a start) to find out what you’ve gotten yourself into.

There are no quick fixes.

There are no miracle lawsuits.

There are no Magic Buttons.

There are no heroes.

The way to get your modification, or even save your home from [illegal] confiscation is to educate yourself on the situation, laws and courts.

Learn how this works …

… in the real world …

… and you might have a shot at getting your modification.

Otherwise, the banks will prey off your weakness and ignorance and take your home.

Sorry.

That’s simply the fact of the matter.

We purchased a house from a realtor, in Tennessee, this was his personal home and he built this home himself and was his own contractor. We paid $700,000 for this house. The owner of the home lied on the disclosure form, saying that they were no fill dirt at all on the property. As we were living in our home we noticed our patio sliding away from the home, and our house settling alot. Our 200 ft. fence slid over the hill, the underground utilities were breaking. We discovered thru core drilling and an engineer that the house was built on 14 feet of fill dirt. When we discovered the fill dirt, we promptly suit the seller and tried to get Bank of Amercia to help with legal cost, they refused, after $80,000 in legal cost, we lost. It was a clear case of fraud but the good ol’boys, in this small county prevailed, (thanks to some home cooking) in other words “the fix was in”. The house was apprasied at not sellable, so we stopped paying. Bank of American has refused to work with us in any way, saying that there is no trap money available. After several months, they sent a property recovery team out, while we were still living in the house and they told us that we had 30 days to get out, and after 30 days everything in the house would belong to them. We hadn’t had any papers served on us, the house had not been foreclosed on, but they demanded that we get out, and even the police had to be called. Then someone was sent out, who put a note on the door that said that they were from the bank, and took pictures of our cars, license plates, and took pictures from the outside of the house, through the windows, of our home while we were in the house, watching him. Then a couple of months later, while we were gone, someone from the bank came out, cut the lock off our gate, broke into our home, while our furniture and stuff was still in our house, went through every cabinet, every closet, and changed the lock on the front door, and hung a realtor’s lock on the front door. They put a note on the door saying that they were from Bank of America. And that the house was vacant. And our furniture today is still in the house. Anyone know of a Bank of America class action law suit that we can get involved in? We got the shaft twice, on this house.

We were financed on our origanal loan by boa they did not file us with fanny. Mae or Freddie Mac it was filed as other now we are having a hard time refinancing our home what can we do

my story is about the same – my wife got sick had cancer – I got behind in the payments – I keep getting behind- i did a modification package and never head back from them – i keep calling them – they did not call me back- I filed chapter 13 and they would not talk to me- never sen statements – We were on 13 fr three years then i turned 63 and decided to retire – i have depression and take meds for that – i also am GID — trangender male to female – I am hoping to have gender reassignment – but once i retired – we went to chapter 7 and it was discharged in November – Bank of america sold our first loan then to nationstar banks loan is 183,000 payments are 1567 a month we are – the home is only worth 160,000 they have a second when we bought the home country wide had us talk out two loan this one is for 49,000 and its high interest – they did lose my mod papers — i sent both a qwr i did get some papers from bank of america but they did not answer any thing from my awr – they both say they well foreclose on me if I dont pay 43,000 to get caught up. we did move out – i paid 65,000 for a home i took my 401k out. I would like to fight it maybe force the loan companys to just give me the homes – then sale the home and split what i get with a lawyer – i n not pay out right

jo hager Johager@ymail.com

mn 763 276 5884

I am going thew the same thing with loan modification. They will sale my home Feb. 18, 2013. Filled out forms for BOA and before they got them, they sold loan to Everbank. Been going to court to postpone sale date twice to get this modification done it has been a smokescreen for them to take my home. I sent eveything to BOA and Everbank numerous times, and it was always needing something else. I have been doing this since last year and now i am still losing my home! I need to face reallity, my home is gone!!!! Is their a lawsuit I can join, or anything I can do to stop other families from going threw what I am. Contact me at presleyjeds1@yahoo.com or 919-274-5170

We have been with B of A for years 24 to be exact. In 2008 when construction took a drive we began dealing with the bank in order to get a modified loan. We were upside down on the house. After 3 years of back and forth the bank , we decided to file bankruptcy at that time then the bank finally got back to us to tell us the investor that held our loan does not do modification. Now almost 4 years later trying to do a short sale and the bankruptcy is holding everything up. We will now have to wait another year until this is all cleared. Had they worked with us we would be paying our payment somehow and still have our home.
If there is anyone out there who can help us please contact me. thank you.

Hello everyone, i thought im the only one trying to fight bank of america. Me and my husband want to sui boa and are trying to find more people in the state of texas that are willing to fight with us. So please if you have any information or you are ready to fight back contact me soonest possible. What they are doing is is ridicioules and we are about to loose our home.we been fighting with them since 2010 and it is a nightmare. but enough is enough …. email me with anything that i might have to know to go forward with the lawsuit nblair35.nb@gmail.com

To who it may concern,
I Robert Amor Heider am writing this letter pleading for financial help with our home. I have been trying to rectify this situation since that first phone call to Bank of America asking if there was something they could do to help me with my mortgage. I explained to them that the mother of my two little boy’s Chase and Dylan and my business partner had left our home and our lives for me to be a single father with a business that was upside down and destroyed and a whole lot of debt. She also left us with a mortgage that was simply unaffordable with my income at the time. I explained that I didn’t want to lose our home and just needed to know what they could do to help us. They told me that the first step in saving our home was to not make a payment for 60 day’s and then they would be able to help but they wouldn’t take any steps to talk to me about this matter until the 60 day’s were up. Listening to them in such a desperate time of need was the number one worse thing I could ever have done. I didn’t know what to do so I went to seek legal counsel at the Law office of Jeffery Rosenberg. Upon doing so I was falsely represented. I was told after 6 months of hiring Mr. Rosenberg that I would be placed in a better financial position and not to worry that this would be all fixed to a payment that I can afford.
I was then called four months after that and verbally told by Mr. Rosenberg’s office to send a payment for $1,270.00 dollars. I asked for something in writing from them or the bank because I did not believe this offer was true so I continued to wait to receive a paper with this offer. Thirty days past and I still received no letter. I started to question this agreement. After not receiving call BOA only to have them tell me that they do not send any papers like that but the offer was for real and because the payment was not made they retracted their offer. I explained everything to them and told them to send me anything with such a offer of acceptance and I would write them the check. I was told it was to late. I then called Mr. Rosenberg’s office and found out that if I needed them to assist with anything else I would have to rehire them. So I told them that it would be unfair to pay them a full $1,500.00 and made a deal for $750.00. When I didn’t have any of my calls returned from this office I asked to speak with Mr. Rosenberg him self. He told me that he was aware of this matter but did not know anything about me rehiring his office the second time and demanded that if he was going to work on saving our home that I would have to make a full payment to him personally. I didn’t receive any further help from this office and was never to see my $750.00 again.
I didn’t think there was ever going to be any hope knowing of what just happen to us and the bank still telling me that they were going to foreclose on our home. I began telling people my story and asked if anyone knew of a lawyer that was professional and that could help us with saving our home. I was sent to this big building in Deerfield Beach where I was to talk to The Law Office Of William O’Toole. I sat in a big conference room with my mother , a man who at the time told us he was William O’Toole, Tracey Long (a lawyer on O’Toole’s staff) and another staff member. They seemed very professional any the office made everything look even more amazing. I once again told our story and while my mother started crying we were told by this man who said his name was William O’Toole that he was very sorry about everything that my family has gone through and if I retained The Law Office of William O’Toole that this would all get better and there was nothing to be worried about. He explained to us that this is something that he has been helping families with for many years. I felt like I won the lottery, like life was just going to get better after that meeting. After retainment I was noticing that they wanted me to have no communication with BOA and that I was never getting a straight answer. My emails and phone conversations always reassured me that this was just something that takes time and not to be worried that my file was in the right hands with that office and BOA.Then it started, I was being asked to summit the same paper work and doc’s that I have already gave to them several times. I took notice that different staff members were handling my file.Then the court date came. I was shocked because I thought because my house was being modified that the bank wouldn’t try to foreclose on our home. I told the lawyer from Marshall Watson’s Office about my modification and was able to get them to stop the foreclosure sale for 90 days. I proceeded to stay on top of The O’Toole with a series of emails(witch I have saved), phone calls, and even visits to the office. After time was passing and no good news was coming my way,I came home from work one night and seen Carmen Farrel from channel 7 new was doing a investigation report on a mortgage meditation fraud that was being led by a guy named Mr. William O’Toole and summit law group. Thats when I realized that the Mr. O’Toole that we met with was not the same guy but a impostor and that he was disbarred throughout the whole country and Florida had him on a suspension until Florida disbarred him. We were shocked. It all made sense why we weren’t notified about the final summery judgement. How can they tell us when they having been sending BOA papers on my behalf for over 6 months and using a fraud lawyer and The Law Office Of William O’Toole that had his bar license taking from him in the whole country. They set us up for failure. All this time we were living off of the hope for help and we were being defrauded the whole time. I went straight to Mr. O’Toole’s office and demanded to speak to the real O’Toole. They told me that he was not able to speak with me so I advised them that I was going to contact Pam Bondi(the attorney general of Florida) about this and that I wanted my whole file back from them. After receiving my file I contacted the bank and found out that BOA had set a court date to motion for a final summary judgement against me. I was shocked. I never got a Fair chance to defend my self against this and now it was granted with a auction sell date. I hired a lawyer by the name of Dave Strauss to help me stop this sale. At the court date I explained to the Lawyer from Marshall Watson’s office about what happened and the fact that I had a family with two little boys 5 and 7 and a new born daughter with my wife. I also told him that I was working with the bank directly to try to save our home. He granted me a exention for 90 days. I over and over called the bank pleading with them to make me a deal, I sent them all the documents that they requested and still it was just as before. My file would get transferred to another desk and I would have to resend it all over and over.I explain to them that I was a husband, a father of three and one as a new born. I told them that I have a good stable job that I have continued to grow with to part of management with The Home Depot plus my wife has had the same job for over ten years. I also told them that i was even willing to give the bank a fairly large amount of money for the good faith of a new loan and yet they told me that there was nothing that they can do. They told me plain out that on Oct 2,2012 they were going to auction off my house and that we should start looking for a place to live. I had no choice at this point but to claim bankruptcy to stop the sale and give me more time to find help. I am a great father of all three of my children, a wonderful husband, and most of all a very hard working man that with such a great company that this will be my life career and I will continue to grow with Home Depot.My wife and I can get letter of reconditions from our superiors that will explain our hard work and dedication. Please, I have a 5 year old name Dylan, a 7 year named Chase, a daughter named Sophia and the best supportive wife in the whole world. I am back on my feet and bye taking our home would not only alter my children’s life including school but also set my family back to a even more of a rough begging. I’m asking you please help us save our home. I have a nine inch folder of all of these communication between me and all others involved to prove that I am not lying.

Thank You,
Robert Heider and Family

if you are having problems with Bank of America find out who owned your mortgage, like Freddie Mac. and contact them. after i contacted Freddie Mac my notes drop from $1176 to $618 this amount inc. my insurance. Freddie Mac came to my rescue. they told me to tell people to contact them if they own your loan. hope this helps.

To All Recent Posters …

I would strongly suggest you read through this page (and previous pages) for information on how to fight this thing.

Approximately a third of the way down on this page is a 23 point list of things you can do to help defend your home.

A cautionary note —

Neither this site or anyone on it has a lawsuit you can simply sign up for that will help save your home. Most importantly, a lawsuit will likely not get you what you want … and usually most people are simply looking for a modification.

If you “sue” the bank, you immediately become an “adversary” to the bank. They will cease negotiating your modification and treat you as an “enemy” in court … and it’s court where the bank has the most power.

If all you’re looking for is your modification, you’ll need to understand that fighting for it takes place OUTSIDE a courtroom … UNLESS you are using a “filing” with a court. A “filing” is NOT a lawsuit, but filings (such as a “Motion to Compel”) can be used to force the bank to stop doing something or force them to do something they should be doing.

For your own sake, please come to understand the difference.

Your ignorance of the law and how courts (and politics) work are how the banks are confiscating homes.

Saving your home is going to … unavoidably … involve YOU educating YOURSELF on how these things work.

Sorry … that’s just the way it is.

My husband and I have BofA and are truly tired of there BS on a mortgage modification that we have been dealing with for a year and a half. There story is never the same NO one knows whats going on we havent even been accepted, but they want thousands of dollars from us because our money is all over the place there. We just want to be done with them and refinance. I have a couple of co-workers that are going through the same BS, and we have found numerous people complaing on different sites. I think BofA should be punished somehow for screwing with peoples lives. If anyone has any information on what we should do please e-mail me at vanessajpcl72@yahoo.com. Thank You

BofA refused to negotiate with me when I had enough money to pay my loan current. They also tried to evict a tenant in a duplex I lived in even before they owned the property. The finally filed a foreclosure sale notice before responding to my application for a modification. Afraid I would be put out on the street, the foreclosure was delayed on the last day after I moved out. They drove me crazy asking for new loan packages sent to new fax numbers. I lost my future as I am now 65 years old and lost my investment and income from the duplex.

What ever litigation path you choose DO NOT TRUST A SINGLE JUDGE try it to a jury. The judges, federal state are divided on this simple clearly established common law practice going back decades. But what about those so called “allonges?” These so called $6.00 rubber stamps with unknown signatures and no date cannot transfer dog s*** A REAL transfer document required by most states contains a clause of what is being transferred ALL RIGHTS TITLE AND INTEREST. Any transfer is illegal anyway because the mortgage collateralized a Mortgage Backed Security and cannot be two places at the same time. If MERS hasn’t paid the county filing fees for each transfer you have a breached contract.

I have been fighting BOA for 3 years. After numerous attempts to modify my mortgage. Lower interest rate and lower payments. Isnt that why Obama gave them money? to help us out? Obtained an attorney. Had to fight. Ours was rate Star Mortgage in 2000. Then it was countrywide Then Mers transfer. Found it on the Mers sight. Then it went to Bank of America. They offered us a 250.00 a month increase in our payent. No reduction on rate or payment. Fair? Now Bank of America sold our mortgage to a company of investors who want to buy our houses for pennies on the dollar and rent them out. Uggh. Hoping for Class Action suit. This is Fleecing of America by Corporate Entities!

Heidi, Charles, Jackie, Paula and all new posters …

About a third of the way down on this page is a list of 25 items/tasks you might use to help save your home or get the action you want.

For those of you who are looking for a class action lawsuit to do that, keep in mind that something like that may NOT get you what you want. I encourage you to read through this blog (and other places discussing it).

Not knowing how the legal system works is how we got into this mess. Knowledge is your best weapon.

I’m looking for an attorney to file suit against Bank Of America.
Last month my payments went up $180.00 per month and I contacted Bank of America and was told that my insurance rates went up and I informed the agent that I would get another agent and get my rates at last years rate, and was told if I did my payments would go back to last years rates. Well I went to Alstate Insurance and have my rates below last years rates. well this is all fine and dandy but I just checked and found my rates are still $180.00 month higher. And Bank Of America is still using the same agents I had last year so my rates remain higher.
I did contact my old agent and informed them that I wanted all my insurance cancelled and they agreed.
Now what do I do.

after close to three years of back and forth with BofA with phone contacts resending papper work over and over at least six to eight times and talking with at least fifty different “loan specialists” I recieved in the mail my home was to go to auction my BofA contact at that time would not return my calls and the “exta help said i had to reaplly”
I then find out my home never went to auctin BUT was bought by Fanny Mae End of My Story I was told to move out after thirty two years in my home Jay

I want to join you all in the class action suit, I have been try to get help for a year, they pass me from on person to another and no help came.
I have all the paper work they I share with them.

Please help
Virginia Conkrite
conkrite@bellsouth.net

On January 29, 2013 DK Consultants, David Kreiger, was commissioned by the Williamson County TEXAS Property Clerk (Nancy Rister) to audit the public property records and found most title and transfer fees unpaid. Legally, this would void a perfectly legal mortgage contract. When I told Judge Mickey Pennington about this April 22, 2013 in open court he waived it aside and granted summary judgment to the bank. Then there are the similar actions of USDC Judges Yeakel and 5th Cir Chief Judge Carl Stewart interferring and dismissing these foreclosure cases using no law just “cause I said so!”