I purchased a Condo in XXXX in XXXX the mortgage was for {$1400.00} monthly with an XXXX fee of {$380.00} I made all payments on time til XXXX when the market dropped and property values plummeted, I tried to do a loan modification with Bank of America which they declined, I asked them to take back the property or foreclose, I moved to XXXX waited XXXX no foreclosure I called to inquire about a short sale a deed in leu or a mortgage release. I was told to do any of them I would have to try another modification I tried and was denied again, I waited another year still no foreclosure, I then called and asked when would they be foreclosing on the property and was told XXXX months or so, due to other credit issues I filed for bankruptcy in XXXX included the property and was relieved of the mortgage debt, but since the property has not been foreclosed yet to this present dated the HOA fees are no longer {$380.00} they 've gone up over the years to {$510.00} and I am liable for every single fee since the bankruptcy settlement. The bank refuses to accept a short sale and continues to reset the clock on the foreclosure process, this has been ongoing since XXXX I am unable to get a mortgage, credit card, car loan, anything having to do with credit because I keep getting judgements against me for the HOA fees as of last month they are stating I owe {$17000.00} and they ad {$510.00} every month after. I have done everything the bank has asked of me for the past XXXX years sent all the paperwork that they have requested of me and still to this day there seems to be no end or resolution to this situation. I 've spoken with over XXXX people at Bank of America and anytime it seems I 'm getting somewhere with someone they change my account specialist on me and make me start all over, I have XXXX children to take care of and its difficult trying to move on with my life when someone could continue to get {$510.00} monthly for a property I do n't live in and that a bank refuses to foreclose on. 
