My home loan was with Bank of America. It was transfered to Caliber Home Loans in Seprtmber of 2014. I tried to do a Home Modification Loan with Bank of Americe for over 3 years. Bank of America just kept giving me the run around. When I called them they would listen to all the cirmstances and transfer me around from one dept. to another, each time having to elplain the whole sistuation every time. I  had a loss of about $4000.00 in income for the year. in 2011 my hours were cut at work, and shortly after that my wife's income was cut also which was about $3600.00 a year. So we had a total loss of income about $8000.00 a year. I explain all this and send in proof to Bank of America, They act like they are concerned and want to help you. But really they are just dragging it out to get you futher behind on your payments. I wouild call them all the time, and it was always the same putting me on hold and transfering me around, never getting any answers. And explaining the whole thing over and over again. They never gave me a modification loan. They caused me to get futher behind on payments. Then all of a sudden my loan is sold to another Company. Caliber Home Loans.

I explained all this to Caliber Home Loans. They acted so concerner and like they were going to help my family. But it was not long before i was seeing Caliber doing the same thing. Caliber employees had told me not to make any payments during the home modification process. Then I kept sending the information they requested. I started just calling them all the time.

They kept requesting me to send the same information over and over. They told me what to send over the pone at first. I was never recieving any information by mail. This went on for about 3 months. I was on the phone in December and i kept asking why are they not sending me anything in the mail. I believe it was so  they could say you did not send someting we requested, and there would be no mail showing what they wanted sent. So they could play this game over and over. To keep dragging it out more and more. They said they were sending me information in the mail, but i did not ever recieve it. So they were making it look like i was not responding to them like i did not care or try to do anything to follow through. Then they start saying they were sending it to my Lawyer. Then this started going on for a while. I would call and they said i never responded to the information they sent out to me. That it was sent  to my Lawyer. Just another way to continue dragging it out. When i contacted my Lawyer he would always say he had not recieved anything from Caliber. So called and the lady i was talking with said we have sent everything to Mr. Hawkins your Lawyer. I responded who is that. That is not my Lawyer. So now it looked like they were sending the paperwork to the wrong place all this time. So i believe that was just a lie to cover up for the missing paper work, and to drag it out longer and putting me father behind on the payments. They are horrible people and a horrible company. Now they are seeking to foreclosure on my home. I am in a Chapter 13 Bankruptcy,So they have to file a petition to the court to proceed to foreclose on our home. We have lived here for over 20 years. The other companies involved in this also are U.S.Bank trustee for LSF9 Master Participation Trust. They would rather go through all this scam with the loan modification program so they can foreclose and take your home, instead of helping you to keep your home. If they were a good company they could use one of the many programs  to help you keep your home.  As a Christian I know The LORD is going to deal with them.       February 20, 2015