Originally, I had good credit that afforded me, my husband and son the opportunity to become first-time homeowners in XXXX. Prior to divorcing my husband in XXXX XXXX, I refinanced XXXX XXXX to buy him out of the property and to get his name off of the deed. While in an adjustable arm, I began to experience financial hardship and refinanced again XXXX XXXX and ended up putting all of my equity in my home making bi-monthly payments to bring my loan down from {$230000.00} to {$210.00}, XXXX. Eventually I was assisted by an attorney ( XXXX XXXX ) to apply for a modification which took my payments from {$1600.00} to {$1200.00}. After waiting 33 months to be modified by BOA ( XXXX XXXX XXXX ) I received a savings of {$100.00} instead of the original savings of {$350.00} per month. I believe at some point during another review of required documents submitted again XXXX XXXX, my income as a XXXX was inflated and calculated incorrectly. Not understanding how this could happen after BOA foreclosed on my property while still in a work-out process, the foreclosure was rescinded upon the banks error as long as I accepted and their in-house modification with new monthly payments of {$1500.00}. From XXXX, it was difficult to keep up with payments, so I was encouraged to put my home up for Short Sale which was approved by the bank XXXX XXXX. After several weeks of no activity, my realtor was asked by a new negotiator to submit and upload additional docs to XXXX. In doing so, my realtor obtained documents from BOA that I was approved for a Short Sale process again on XXXX XXXX, XXXX and we had 14 days to submit any requested documents. Not informed by my realtor of a foreclosure date and following professional advice not to make payments during the process, my home went into foreclosure the very next day on XXXX XXXX, XXXX. I am made aware of the foreclosure by the office of XXXX XXXX. XXXX in a letter dated XXXX XXXX, XXXX and told I need to vacate my property. With no where to go and not sure of my options, I was pleased when my realtor was asked if I wanted to keep my property. I responded yes and have been back-and-forth contacting Bank of America while sending correspondence to a representative of XXXX XXXX and the Law Office of XXXX XXXX. XXXX to obtain a fore-closure rescission. After seeking legal advice Fri. XXXX & XXXX, I discovered that I should have been approved years ago for a HAMP because I qualified based on federal guidelines. Yesterday, evening XXXX/XXXX/XXXX, I received a random phone call from the XXXX XXXX XXXX XXXX XXXX ( XXXX ) and the intake representative advised me to file a complaint through this website because I appear to be a victim of unfair practices and deserve a proper modification. 
