I was a Countrywide customer until Bank of America bought them out. My question is, I applied back in Dec. of 2008 for Countrywide' s Hope Program, for a loan modification. We sent Countrywide all of the required documents, along with the required hardship letter, we received a phone call from a woman from Countrywide telling me that we had been accepted, and that a loan officer would be calling us within the next several weeks. We never received that call. We had called them back many, many, times only to get recorded messages. Now, Bank of America has what they call The Home Retention Program, for the same modification, but we still can not get a mortgage consultant on the phone, to get this modification going. We are now over 60 days past due, have consulted a private org. for help and they can not get a human on the phone either. What can we do at this point to save our home? We have met all of their requirements, and No-one at either Company is holding up to their promises of helping us? Is there anything we can do legally? These banks have promised our Government that they would be helping people in our position when they received the bailout, yet they are ignoring their obligations, and hiding behind automated messages?

I would start going to your local office for Countrywide /Bank America. The squeaky wheel gets the grease. Make a pain out of yourself and you will get someone to talk to.