This is an FHA mortgage which BOA has violated the HUD regulations regarding counseling ( 24 CFR 203.500, and 203.604 ) prior to initiating foreclosure AND while BOA was in receipt of a complete package did not attempt to cancel a trial and obtained a final judgment and sale date against the property in violation of 12 CFR 1024.41. In addition, after successfully obtaining a final judgment, in violation of 1024.41, BOA did not provide an opportunity to have an extended sale date to allow the borrower to have more time to be properly reviewed for a modification. 
Attached is confirmation of the documents sent to the lender. All documents the lender requested were submitted and complete. On XX/XX/XXXX, the bank requested : Our client has advised that the review can not be completed until the following is submitted:1. Both Non borrowers to provide signed and dated XX/XX/XXXX tax return2. Bank statement shows XXXX XXXX XXXX XXXX XXXX XXXX as mailing address. Borrower to provide signed letter regarding address discrepancy. 
3. Borrower to provide additional bank statements for acct ending in XXXX that is consecutive to XX/XX/XXXX-XX/XX/XXXX and XX/XX/XXXX-XX/XX/XXXX 
After submitting all the requested documents on XX/XX/XXXX, we assumed the file would be reviewed, but on XX/XX/XXXX, we were informed an additional, not-previously-requested bank statement was now needed. 
