I 've been living in my home with my wife and XXXX children since XXXX of 2010. Everything was going well as planned until we ran into some financial issues. Our current mortgage is thru Bank of America and after falling behind a few months on my payments, I reached out for assistance. At first they tried to give me a 3 month forbearance, but after completing all paperwork required, and XXXX payment submitted, they decided to return my check and tell me that I did n't sign the last XXXX sheet in time, so I 'm no longer approved. Since then I 've been in touch with a representative who was trying to work with me on submitting more paperwork to be reviewed for help, but they came back again and tried to say I made a few XXXX more than I did. I was advised to resubmit the paperwork again with the figures that were exact ; I was told that if I do n't get approved then my only choice will be a short sale or foreclosure. I ve repeatedly expressed that I 'm willing to do anything and make payments but they do n't seem to care. I thought they 'd want to help someone willing to make payments but they 'd rather try and foreclosure or make me do a short sale. I do n't know where to go from here if I can not get assistance 
