STATEMENT : Predatory Lending XXXX XXXX, XXXX, my husband and I were saved from foreclosure by XXXX XXXX XXXX XXXX in XXXX XXXX, CA, XXXX a fraudulent loan modification firm signed contract XXXX/XXXX/XXXX XXXX XXXX XXXX, XXXX XXXX, CA - paid them borrowed family funds of {$4000.00} but found out 8 months later, they did not submit our docs and it led to XXXX/XXXX/XXXX BofA default and foreclosure notice ). We were pressed to take the BofA loan modification ( only had XXXX to sign, have notarized and return to BofA or forfeit the loan ), even though we explained to XXXX XXXX XXXX law firm that we could not sustain the mortgage payment of {$2400.00}, XXXX XXXX XXXX advised us to take the modification and try to pay for 3 months and then go to BofA and ask for a re-structuring of the loan. Then after struggling for 4 months, asked BofA for a loan re-structuring - we were sent more forms to fill out - thus after sending in Bank XXXX and finally his doctor 's letter for my veteran husband who was very ill in XXXX XXXX, and we could not pay anymore, we could not borrow anymore but BofA modification promises of re-structuring continued until XXXX XXXX, XXXX. 
My husband died XXXX/XXXX/XXXX and was buried with honors in the XXXX XXXX cemetery, XXXX, CA XXXX XXXX, XXXX. I have the Deed of Trust in my name - but not being familiar with how to handle the bank when you are widowed, I asked for help from a referral and now a dear friend who is a Para-legal over 30 years - who filled out the paperwork for my complaint to Washington DOJ ( received XXXX/XXXX/XXXX ). Why? because after he looked over our refinance XXXX by Countrywide/MERS - then taken over by Bank, said that we had a good case, also bank did not want to talk to me until I had Letters of Administration, which after getting a Probate hearing XXXX/XXXX/XXXX, the judge said that I had the Inter-Spousal Deed of Trust in my name ( the loan is in my husband 's name ), I got a probate attorney to send a letter XXXX/XXXX/XXXX to BofA stating that since I have legal title to the property - does not need to probate my husband 's estate. Bank 's response was : " put attorney on as my authorized XXXX XXXX loan representative '', ( I sent a XXXX of XXXX to bank XXXX/XXXX/XXXX ), bank responded " that since my situation has changed, they have closed the loan modification process on the modification loan. '' XXXX XXXX, I have registered with HUD office who sent a my bank package and are now reviewing the file and my assigned rep said review takes 30 days. I do not qualify for any modifications and after the pain & suffering - wonder what new ideas the bank will come up with. I would welcome your advice. I have researched lawyers and have been turned down by XXXX pro-bono attorneys, and XXXX local attorneys - why? No experience in predatory mortgage lending. 
