I had been current with my mortgage payments with Bank of America since XXXX, up until early XXXX when, because of financial hardship, I was forced to stop making debt service payments. Before defaulting on my mortgage loan obligations, I approached Bank of America towards the end of XXXX to request assistance under the National Mortgage Settlement of XXXX. According to the settlement, every client who was current with their payments would be able to refinance. But instead of receiving any kind of assistance, Bank of America suddenly and abruptly sold the servicing rights to my mortgage loan to a company called XXXX XXXX XXXX. After this happened, I have not received any kind of assistance or any replies to my requests for assistance. In XXXX of XXXX, XXXX XXXX XXXX transferred the servicing rights to my mortgage loan back to Bank of America. To date, I have not received any responses to my requests for help. 
