Reference case # XXXXXXXXBank of America 's reply. On the document they attached to my previous complain it states on page XXXX, under instructions and notice to debtor ( item XXXX ) " The law requires you take certain steps to make sure the decision is in your best interest. IF THESE STEPS ARE NOT COMPLETED, THE REAFFIRMATION AGREEMENT IS NOT EFFECTIVE, EVEN THOUGH YOU HAVE SIGNED IT. ) Step XXXX. If you were represented by an attorney during negotiation of your reaffirmation agreement, you must have signed the certification in Part XXXX - This was never completed by my attorney, Bank of America never had a representative during the meeting with the Judge at that time, nor did First Franklin. That 's why several of the steps were not completed and when they submitted the Foreclosure of the property they stated they were trying to get the note signed again. 

I had my attorney present at that time representing me and was when she presented me with the reaffirmation documents she had me signed them but she never completed them, as you can see no where in any of the documents Bank of America submitted has or had my attorney 's signature or any representative from the court. 
