The mortgage lender for our home loan is Bank of America. We moved into our home in XXXX and in XXXX I lost my job and we began trying to work unsucessfully with BOA and are still being challenged with trusting, getting support, and responsiveness with BOA. They are giving us the run around, denied assistance, provided minimal assistance that was n't helpful and then simply are unresponsive in our modification process now. This has been going on since XXXX. 
1. We were denied assistance in XXXX because my spouse holds the loan but I lost my job. BOA told us they couldnt help us repeadedly. Our household income was reduced by XXXX. In XXXX I was underemployed working part time for approx XXXX a year and we requested assistance. We were approved for a trial modification reducing mortgage for {$180.00} a month. We could n't accept because we could n't even afford the reduced amount. We paid XXXX mortgage payments instead, rejected the modification, and tried to borrow $ from family and when work bonuses were received we tried to catch up. 
3. We continued to struggle, I was re-employed full time making 30 % less than the career I had before, were still struggling, went into forclosure in XXXX, took XXXX dispursements to get out, and we are still struggling. 
4. XXXX we have enormous debt, we cant catch up, we have sold all stocks to reduce the debt, we have high expenses, over XXXX in medical bill debt. We began the modification process in XXXX XXXX and as of XXXX/XXXX/XXXX we are still in it and ca n't get this process moving. We have been given the runaround, the process does n't tell you what additional information you need to send, they send the same letter over and over again without specific info on what they need just the boiler plate list of required documents, they do n't communicate with you, respond to emails or call back, meetings scheduled have been no shows on part of BOA, and the phone numbers they provide on their website do n't work. We have lost trust that we will get help and although we are paying or mortgage. we have bills that ca n't be paid ont he other side like car payments, daycare, etc. We have complied with everything they have asked and then some. This process needs an overhaul. HAMPT is meant to help homeowners not give then the run around. I 'm sure there are others in this same class that could come forward to validate these complaints. Its terrible. 
