bank of america Bank/ mortgage company/ caused bankruptcy does not follow gov reg for modification options or process everywhere, Nationwide

Bought a home in 2008 based on my income. Lost job 12/31/08 .. tried to do a modification in sept 2010 after struggling with unemployment to keep my home. Finances caused a separation, modification went on for three months was told I didn't qualify because my debt ratio was too high? Really! I had started working when I did this. Then again caught up thanks to family my job was under 1/2 what I made when I purchased home so I again tried for a modification june 2011 turned down, reached out to a law firm (which I will report) who ended up stealing my money and kept saying my file was being worked.after a year bank of america contacts me says my home will be sold in 30 days if I cannot come up with 25K ... I again 5ried a modification now. Aking more than I did when I purchaes the home except now should qualify slam dunk because I am separated (changes in circumstance) accoding to all guidlenines I should qualify .. I even asked if they could just do something with back owed leave loan terms in place and add to end of term.... again 4 months later no resolution continued sale dates pushed lost paperwork. Redid paperwork 3 times in this time and file transferred to 4 agents on their "escalation" team because I escalated myfile to the ceo office for help...what a joke. During this time reconcilled, so of coursemore paperwork needed. Sale date onnhouse only save with bankruptcy ch 13 because we make too much for ch 7...so now in hell having to pay ALL debt at once and having a paycheck that went from 2500 biweekly to 400 biweekly.. when all I needed was the past due done or a refinance option. I wish there was still a way so I could get out of this bankruptcy hell!