I have a loan with Bank of America. I 'm self employed so my income varies each month. Over the summer, I fell behind in my payments but was always in contact with the bank. I knew during the fall I would be able to catch the payments back up again and submitted for a loan modification. I could 've asked for a forbearance but I was never advised nor was I told I told a letter of intent was supposedly sent. I open and still have every piece of mail during this time never did I receive an intent to foreclose or notice that my property was in foreclosure. In XXXX I received a call from a Bank of America representative stating my property was in foreclosure. I know there is a process where I 'm allowed to be heard in court. I did not receive any notice from court or the bank. My modification was submitted in XXXX. I kept in close contact with my representative an even told him I could now send in a few payments. He told me the bank would n't receive them at this time. I can only pay the full amount plus interest and attorney fees. On XXXX XXXX the Bank of America representative called me and told me my loan was denied because they could n't find a program for me. I know that Bank of America just settled a law suit for doing this kind of thing to home owners. I am a single mother who 's divorced and really want to keep my kids in the only home they know. I asked the representative if I could do a forebearance or put the payments or some of them on the back of the loan he said no since I 'm in foreclosure and putting the payments towards the back is a loan modification which I do n't qualify for. I asked how can I not qualify now when I just qualified earlier this year. 
