In 2014, my business, as I am XXXX, had a downturn in gross income. The decline in income was temporary as my business is strong, but I lost personal income and fell behind in my mortgage for three months. I explained the circumstances, and asked my bank BB & T to help me with a deferment and modification as my interest rate is 5.75 %. As I am XXXX, my income was not high enough, to refinance, get a deferment, get a modification, and they suggested I sell my home. If I had not come up with the money that was owed, and the late payments that accrued, I would have lost my house. I am in the XXXX, and I can tell you, they were quick to turn on me, and begin foreclosure proceedings. BB & T fraudulently appraised my house {$200000.00} less than it is worth. I was surprised at the quickness that their resolution to me was to sell the house in a short sale. My house is worth, {$580000.00} they said it was worth {$380000.00}. As i look through title work daily, XXXX, I wonder how many people, who were unable to understand the process, and do not have the means to fight the banks, have lost their homes. I see foreclosures daily in my work, and hope that I may avoid this same scenario in the future by being proactive and speaking out about the banks unfair practices, especially toward the self employed. BB & T bank, if they would have just refinanced my rate, would have allowed me to save monthly. The bank, if they would have put the money I was late on, at the back end of my loan, modified the loan, I would have benefited. But they were not interested in helping me. BB & T would rather own my property like the many bank owned real estate inventories rising in America by pushing the little guy aside, throwing us all out on the street, and out of our homes. 
