Consumer complaint received 2015-04-03 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
It started about XXXX years ago, after the birth of our " XXXX '', which needless to say was a surprise. At that time both my wife and i were both employed. 
My wife had her job eliminated, we were in need of financial relief and applied for the Making Your Home Affordable several time and were told we did n't qualify. After several years of financial difficulty we saw something strange happening to the house. 
I discovered I had a Sinkhole under part of my house, and the whole process for that began. 
After exhausting all options and also the financial help from relatives, we were faced with few options. 
Sinkhole under the house and now in debt i was forced into Bankruptcy. 
I retained a Lawyer to guide me through the bankruptcy process, and after several missed mortgage payment I get a call and I magically now qualify for assistance, so i looked into and it was for $ XXXX- {$100.00} relief a month for a limited time. 
That 's it, i was denied all other offers. 
So after that i continued with the Bankruptcy process. 
I was granted the Chapter XXXX due to all the circumstances and moved on with my life. 
I am still in a legal battle with my Insurance company over the Sink hole. 
After about XXXX more years, and now a year after my discharged Chapter XXXX i receive a Notice of Sale on my home, I fully understand the situation and move out prior to the sale date to avoid any issues. 
XXXX days after the sale i receive a letter stating the home sale was stopped by the bank. 
I do n't understand. 
The house they would n't help me with is now abandoned. 
I did everything possible to assist them, created no problems, didnt fight. 
I am now bankrupt, no home, I have a wife and XXXX kids, now living in a small townhouse, not my house that I worked my whole life for, to build and want to raise our kids in. 
I have had to surrender our family dog who was too big to go with us, we gave away the kids horse and now all I want is for it to be put behind me. 
Due to the sink hole, out of fear my wife stopped sleeping on that side of the house, XXXX. Dont ' think that has not created any issues. 
I also was diagnosed with a XXXX which requires a XXXX and XXXX. 
That is Not a XXXX. It just presented itself one day, doctors have no idea. 
Try XXXX ... .... 
My lender Bank of America has done nothing to help, and now they keep the house from auction, I do not want anything to do with the house anymore, but since they did not sell it, I do not feel i should be responsible for it or the XXXX acres it is on. 
I really want this to end it is tearing my family apart. 
I never needed anybody 's help, not family, friends and sure did not need the government to bail me out, but when I really needed assistance I was denied. 
I pay my taxes, I have my own medical insurance, I support my family. 
So for doing all the right things, trying as hard as I could, I have a XXXX, a bankruptcy, soon a foreclosure and no home to count on for my family 's financial future.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief