I am needing some assistance. My mortgage was part of a bankruptcy that was discharged back in 2013. My loan modification was never re-affirmed and since then anytime I am late I receive foreclosure notices. I just finished getting my loan re-instated from a fore closure. I am at the point where I cam considering a federal lawsuit against Bank of America because they refuse to help me by way of getting my loan re-affirmed. I ca n't refinance, I ca n't get a line of credit. 
