BANK OF AMERICA MORTGAGE DOES NOT HELP PEOPLE IN NEED

[1LUCKYLAMAE]

TO psiewert83. FOR UR INFOR. U NEVER KNOW WHEN OR WHAT IS GONNA HAPPEN TO U. I WAS HEALTHLY AS A HORSE THEN THE NEXT DAY I WAS'NT. UNTIL U'VE WALKED A MILE IN MY SHOES U SHOULD KEEP UR MOUTH SHUT! IT TOOK ALONG TIME BUT THEY DID HELP ME. I THINK UR JUST A NARROWED MINDED PERSON THAT ONLY THINKS OF UR SELF. THATS SAD. I WOULD'NT WANT TO BE U!!!!!!!!!

[psiewert83]

Why is it Bank of America responsible for bailing your ass out? You should have had disability insurance.

[ELMATRACA69]

Do not pay the Mortgage any more. Let the Bank Foreclosure. You can live in the house for 3 - 4 - 5 years no paying nothing and saving the Monthly Payments. To many foreclosure in Court delaying the proccess. Wait into your proccess in court and when is almost done, File for Chater 7 ( will take about 1 year or more) and if you do not sucess, file for chatter 13 (another year waiting).. Living for FREE in the house you wil be able to SAVE about $20,000 - $30,000 and then, Buy a Foreclosure.

[Chris24hrbail]

I hope you get your loan mod.

[1LUCKYLAMAE]

for ur infor. they did help me and u never know when ur gonna become disabled.

[graverobber35]

well , you watch Inside Edition and listen to psychics. Not everyone is entitled to own property. Maybe you could go to the Salvation Army. Do not sign a contract that you cannot pay. Why should your mortgage company agree to lower your interest rate? They have you on the dotted line , if you cannot pay the payment , you lose the house. Look into renting. And stop going to psychics and listening to oprah.

[rewire69]

the ultimate protection is to prove the fact that the bank does not even have possession of the deed and note.And as far as the note.They need to show the original wet ink contract and not a copy of it.And they cant show it due to it being securitized.So that will stop foreclosure and dont file bankruptcy or do a loan modifications at all.

[Amor1921]

i been trying to help my ant for the past two years i submited her package 5 times already, i feel bad for her, BFA IS VERY DISORGANIZED WITH THEIR PAPERWORK AND I CAN PROVED, I"m a Real Estate Broker, but not easy.. Good luck to everybody,

[Spud3151]

Boyfriend loses job and moves out and now its the Banks fault ? I have first hand knowledge that over 60% of the loan modifications that have been processed are in 5 months back in default. When the Govt wakes up and sees these programs are a total failure the axe is going to fall. The biggest failure by BOA is giving false hope but the reality is the litigation they would face if they did not try and help these people. The shelters 5 years ago were full of people in this same situation.

[MJHolme1]

Fu..cking Banks...

[Athens8677]

Shannon - what state are you in?

[gsbmusic]

Please join "Americans Against Unethical Bankers" at facebook!

[1LUCKYLAMAE]

THANK U, I THINK I FINDLY GOT WHAT I NEEDED. JUST HOPE IT STAYS THAT WAY THEY SAID IT WOULD BUT U KNOW U CAN'T TRUST BANKERS.

[bofalawsuit]

Hi Shannon- Your youtube was so sad and I felt so bad for you. Please feel free to visit my blog at piggybankblog com where it will direct you on how to write the BofA CEO. I created piggybankblog com for all those who might have been abused by Bank of Destroying America's potentially fraudulent, irregular and simply abusive home loan modification process.

My name is John Wright and I AM FIGHTING BACK!

[manny1011ful]

I so agree with you. The President said for the banks to work with the home owners to keep them in there homes. I have been trying to work with my bank from the first day when i lost my job. Before that day I had 12 yrs of never being late with them. Now I ask for some help and it is like pulling teeth. They always want to be there with you in the good times but when the bad times come they act like they dont know you. I want to make payments and live in my home but they refues to work with me

[LaMaeLucky]

@manny1011ful does bank of america have ur loan? if so do this call this # 1-866-261-6472 and ask to speak to Mario.and demand to he to lower ur house payments to 31% or ur gonna let them have it back . they no that they can't get out of ur house what u owe on it and they will work with u. they'll ask how u got  their # just say u trashed them on youtube and someone gave it to u. GOOD LUCK AND i'LL PRAY 4 U. BUT U DO NEED 2 TRASH THEM ON YOUTUBE. VIDEO IS BEST!

[Farmhouse168]

Can you go to your state's advocacy agent to act on your behalf? You will not have have to pay for that. I am in the same situation, I have 2 dogs, also and a bird. BAC has my mortgage also. Please contact a state advocate to assist you. Check the Making home affordable website for the new guidelines. check loansafe.org website. All the phone numbers are on there for the president. God bless you. I am in a similar situation.

[jk43211]

next time buy something you can afford in the first place. the biggest reason for this mortgage crisis is OVERSPENDING.

[LaMaeLucky]

@jk43211 4 UR INFORMATION I DID BUY SOMETHING I COULD AFFORD THEN I BECAME DISABLE. SO BEFORE U RUN UR MOUTH ABOUT ME OR SOMEONE THAT U KNOW NOTHING ABOUT U SHOULD KEEP UR MOUTH SHUT!!!! U GET ME.

[manny1011ful]

@jk43211 the biggest reason for this crisis is the loan officers at the banks falesafing the loan apps so they can make a bigger commison and the aprasers going out and saying the house is worth way more then it really is, so they can get a largre loan on it. Then they put you in a bullshit loan becasue they make a bigger commison on it. I knew a loan officer and back in 2003 he was making $15000 a month every loan he was doing was getting approved.

[SusanOCSD]

It does not sound like you can get the payment down to 31% of your income, which is the main requirement of getting the payment reduced. That is not B of A's fault, it is a requirement set by the government. I noticed your fingernails looked very good in the video, so you spend money on them. I don't think you have your priorities right.

[tarathetarantula]

Hello, I feel bad for you. Can I tell you and everyone a thing I saw on Oprah? With the economic issues going on today, many people are getting roomates to help split the expenses. Perhaps that is a road you can look down?? It's hard being alone and having to pay all the bills. I hope it all works out.

[HonestAndFrankVideos]

I Love This Video because you are being Honest and Frank and I totally agree with you. Bank of America is Horrible and I am also going to close my account with them ASAP and everyone else should too. They are very Rude, Unprofessional, Thiefs and Heartless. They already Robbed me and instead of Modifying me they want to Foreclose on me. I am going to be making an Honest and Frank video about them real soon. Sincerely Honest and Frank, Honest Frank

[Nmhumbug]

After trying to work something out with BOA for a year to no avail. I recieved a foreclosure summons today from THE BANK OF NEW YORK MELLON. ????? Could be why BOA wouldn't help me. All these thieves need to go to jail,

[Showkiller99]

I feel sorry for you lady but not everyone will qualify.

The issue with MHA is that yes it to try and get the mortgage to 31%. That 31% has to include principle, interest, taxes, insurance, and HOA if you have them.

Now if you can not get all that in the 31% you won't qualify. Sadly you need to look at short selling your home. The Program is not meant for and will not change your mortgage to virtually free.

[noidea111]

also make sure your 31% of your GROSS income ITS NOT LESS than what BOFA can give you if your TOTAL BALANCE OF YOUR HOME calculated @ 2% over 30 yrs APROX. If 31% of your icome it's less then ADD extra income somehow, makeup that ur doing maid services, washing cars, can collecting, etc etc

[noidea111]

listen you have to find out what type of loan you have in order to qualify for the HAMP, only freddie mac and fannie mae will qualigy if you have an FHA they you cannot apply for the HAMP but you still qualify for a loan mod not as good as HAMP, all you need to do its to have a positve surplus of avobe 150 bucks a month after ALL your expenses, including mortgage, loans, utilities and housing, car expenses. Make SURE you tell them how much DEBT you have VS your income. 65% DTI its good

[fairangel46]

Google Daily Kos Bank of America MERS Show me the note. Bank of America may not even own your mortgage. Good advice here.

[farmboycarl]

Bank of America had never done anything to achieve its growth except buy other banks (during good times) that someone else built. Now they have to actually run something like Countrywide, and they have proved themselves to be completely incompetent. The abilities of their young stupid inexperienced employees are below 3rd world standards, and they are destroying people's lives. Call Marlo in Bank of America's loan supervision department at (800) 405-0078 extension #5238, and tell her this story.

[msriri77]

Don't keep trying to modify your loan with them go to the making home affordable website & get help there! this is in place to help people in your situation also the hope line can help the number is also at that website, just do a search please know that Obama has given millions to your bank to modify your loan thru the making home affordable program please take advantage of it! God Bless You & Good Luck!