I contacted Bank of America when I got behind in my mortgage payments. I asked for a loan modification. They sent me a packet of forms. I filled them all out and faxed them and the nessacary documents all back to them. I spoke to them numerous times while they said they received them. Then every other week they said they did n't get this or that. So I faxed them over and over. And continued to call and talk to the to stay on top of things. Then they said oh the forms are over 90 days old we need new forms and documents. So I faxed new forms and documents. I had a loss in income and provided documentation. Again XXXX need new forms and documents. Again I faxed new documents and forms. All mean while they had there collection people calling me from XXXX to XXXX over and over all day long. Being rude while I explained my situation over and over. Threading for foreclosure. After a good 9 or 10 months went by I could n't understand why or what was taking so long. I told them if they did n't process my request and give me an answer I would drive to California and contact the local news media. Suddenly I received what they said was a modification. Now instead of my payment being a little over {$1000.00} a month it went to {$1300.00} a month. There were property taxes they claimed I owed and they were paying yet I have an Exemption due to military XXXX. I contacted the XXXX County Tax Assecors office and spoke to them. They told me all tax payments had been sent back to Bank of America and gave me the dates & amounts refunded & even the dates those checks were cashed. Yet Bank of America still has never refunded that money to my escrow or stopped charging my account for taxes they are not paying. They said paying the inflated payment was my only option and I did not qualify for any of there programs. Either I agreed to pay or they would foreclose on my home. And if I made the trial payments on time they would drop all the fees associated with my payments being late at the end of the trial period. I made the trial payments and no they did n't drop the fees they tacked an additional {$15000.00} plus in fees onto my loan. I could n't keep making the inflated payment as I lost more income. I contacted them again and there Help line told me there was nothing I qualified for in terms of help but that this Law office XXXX could help me But that I would have to pay them {$3600.00} in 3 monthly payments of {$1200.00} each. I paid and they said they would get my modification and straighten out the tax issue. I was sent the same forms Bank of America sent 3 times I filled them out and faxed them the forms & documentation. But got nothing suddenly I started receiving letters from lawyers saying my house was in forclosure and about to be sold on the courthouse steps. But no letter from Bank of America I called back and forth to XXXX and got the run arround being Tx that all these lawyer letters were just a scam and I had nothing to worry about. I called Bank of America and they passed me arround to multiple extensions and said they would get back to me but nothing. I then called XXXX of the letters I received from XXXX XXXX Firm and they told me to come in for a free consultation. I did and sure enough my house was in foreclosure and about to be sold. So I filed Bankruptcy and here I am