Bank of America review: loan modification 126

i too, applied for a home modification loan. Big mistake. After waiting 3/4 months, I was denied but not before the fallout. BAC, before they told me I was denied, had told me I had to start an escrow acct to be eligible and they would pay which would increase.my mortgage payment. I told them, "That was crazy, I would not be able to afford a higher mortgage. So, now it was well pay us back the money we paid out and you won't have to have a escrow. But every month they keep adding on to my mortgage and I', really up a creek. Talking to the reps doesn't help because they say, " Sorry for you're trouble but when are we getting another payment from you?

Run to your local community collage, enroll in a remedial English class and learn to write/speak in literate and complete sentences. Then contact B of A and because you won’t sound like such a ###, maybe they will be better able to assist you.

I also am in the same type of situation with Bank of America! And this so called help of the Home Modification Loan, which I first received from them in 2009...It was called...Make Home Affordable Program! It read that it would only take 3 months, to assure me a lower interest rate and help of lowering my monthly payments, which by the way, were not behind! I am a disabled, single parent and so any and all help was much appreciated! However, Bank of America took thier time on the process, that the 3 months turned into 9 months! During this 9 months...I had been telling them NOT to count my child support as income, because it was NOT DEPENDABLE & according to thier paperwork, it did not need to be counted! So, for the 9 months...they had me sending copy after copy of bank statements & other papers that I had already sent them over & over...I did EVERYTHING they asked. Finally, once I received their final modification agreement, they were only saving me $24.99! I was in shock! I once again called, the lady I spoke with put me on hold, came back & told me that the child support had been counted & that the underwriter said for me to hold off for 2 months...call back & that they would re-qualify me again for the Home Modification, without the child support, which I did. At that time, I was then told by another lady that I had DECLINED the Home Modification & that they could NO LONGER HELP me! I explained that NO, I did not decline it & what was I to do now, because during the 9 months, they had cut my payments in half for the trial period, that was only suppose to last for 3 months, but turned into 9, & that amount was suppose to have been added to my principal balance once the modification was done! She told me that my options now were: 1. GET A ROOMMATE 2. PAY BALANCE THAT I WAS NOW BEHIND (which was $1, 000's of dollars) 3.SALE MY HOME IN A QUICK SALE or 4. GO INTO FORCLOSURE I was absolutely devastated! This had been mine and my 10yr old sons home for 6 yrs.! And on top of that...I had just gotten the diagnosis of cancer! So, I & my son had to go stay with my mom for a few days during my 1st chemo treatment...when we came back by my home...there was a lock box on my doors & the locks had been changed on the doors! I NEVER received any paperwork from Bank of America on foreclosure...still haven't, only from some attorneys out of Little Rock, AR, saying my home was going to be sold on courthouse steps at the end of Aug. 2010, & then another saying it had been changed to Sept. 2010! Still, no paperwork from Bank of America...except now...dated April 18, 2011 stating they are pleased to tell me that they have received the last installment due under thier Special Forbearance agreement, dated Sept. 26, 2009 & it's been credited to my account. And that I am now up to date & current on my home loan payments & can resume making my normal monthly payments! WHAT IS GOING ON!? Because the more confusing part is...they've already put my home on the market AND OBVIOUSLY SOLD IT TO SOMEONE ELSE! I have been by there a few times and workers have been there remodeling & I've been told by my old neighbors that the Realty Executive Agent: Anne Sellers (Who works for Bank of America in Forclosings) told them the name of person who purchased the home! Where do I go from here! What do I do!? Just like all the rest of these other stories! MY HOME WAS STOLEN FROM ME! I also need help! My child & I need a HOME! & to beat all...they've put this against my credit now! Please can someone help me! God Bless You All in this same situations! Please remember us in your prayers as well! Thank you! It's good to know, I'm NOT ALONE!

Well, so did everyone else! So did I! Had a great job, my husband owned his own business...we paid taxes, we were philanthropists, etc. I just don't think what you said was fair at all. Not that I care what you think, because I don't know you...but it was an arrogant thing to say. My husband and I are back on our feet..we both have jobs, and all we wish to do is keep our home. We have a 6 year old child who loves her school. We are more than able to pay the mortgage, but BOA is dicking us around and telling us to short sale! Guess they want another foreclosure. There are a lot of people who are struggling, as you can see here. A lot of responsible people. If you don't have these issues, then why are you on here? Just to put people down with your comments? Makes no sense. Regardless, have a nice day. Glad you don't have the problems that a lot of us do.

What about the millions of people who HAD good jobs and were ABLE to pay their mortgages? Then they LOST their jobs. Hmmm...sounds like common sense to me! Yes, there are people out there who live beyond their means willingly...then there are people out there like me who bust their ### their whole lives, build careers, buy modest homes, only to have it ALL crumble down due to a severe recession. Again, sounds like common sense to me. Why are you even on here? Sounds like you have it made. Are you not aware that we are in a recession and millions of people have lost their jobs? Oh, I guess you paid cash for your house, so you have no debt.

Hey "love fist". What an ignorant comment. Hope YOU never have the rugged pulled out from under you. Oh, guess everyone should have been recession proof like you, huh? ###. Just sayin'...

I too was originally with Washington Mutual, and then Bank of America took over. I was a few months late, and was consider in default and threatned with foreclosure. I then went to Preimer Legal Advocates to help with a loan modification. I gave them $1200 of my money, and got deaper indebt to Bank of America. Then Preimer Legal went bankrupt and I lost that money. Bank of America said they could help me and it would not cost anything. I filed all the documents they requested, and waited from July 2010 to May 2011, constantly sending them documents requested or ones they say they never got. This month they sent me a letter saying I did not qualify because I failed to comply with sending them required documents! This is so frustrating as I have sent them everything they requested. I

I don't know what is going on in their modification dept. but something is majorly wrong. At this point, I feel like filing a lawsuit againt B of A!

my previous response was to TheLoveFistII.

? contradicting yourself just a bit, don't you own a home? don't sound like you do. The current market has reduced the property values, making most homes not worth what people paid initially, this reducing the equity

Owning a home now a days is flushing your money down the toilet, AND you accrue Captial (for expensive repairs that could, in a different lifetime, increase the value of your home) expenses which would be covered by owner if place was rented. I don't know about anyone else, but my equity is in the negatives.

It is no longer beneficial to own a home as tax breaks aren't what they were. My American dream is not be house poor. Who cares if I own a home? not me for sure

They are doing this because they have already received money from the Feds, so what do they care? They will send out letters saying that once you pay ?, they will redo refi paperwork but will need the paperwork refax to yet another place (who is getting all this paperwork with our personal info on it?), but in the small print they also say that paying this does not in anyway, stop the foreclosure or guarantee the loan mod. I have an FHA loan so they won't be losing anything on this, they will actually make money (and hide it which is why they accelerate the interest) They are trying to strong arm people into the increase so that their profit margins are up.

So, my husband and I tried to modify our loan last year thru BOA, and we were denied due to not having steady income, etc. We now both have good paying jobs, so we called them today in hopes to take advantage of the HAMP program..we were told that was not an option for us due to the fact that we were turned down the first time! HELLO BOA! Do your homework, you CAN apply again after being turned down if your situation has changed. She tried to convince us to short sale the property! All while telling us that they dont' want another foreclosure and that they are working with their home owners. Really? We even over qualified for it! I am LIVID! Getting my attorney to go after this crap. I do a LOT of research, and we have rights! Oh, she then said "you need to send in a significant amount of money..and perhaps then we can try to work something out." We asked her how much..she said "I am not at liberty to discuss that". WHAT DOES THAT MEAN? Then WHO is? WHAT do they consider significant? I HATE BOA, wish they would BLOW UP!

OK, don't make enough to get a new home loan, even a refi, make too much for loan mod, BOA says I cancelled the short sale (and I have documents stating just the opposite), over the past 10 months have increased my mortgage, upto $180 more, claiming that insurance and taxes went up (per ins & county - not true). Now, I am assuming they have accelerated my interest, making my monthly payment a whopping $2340 per month!. Now mind you, this house has barely 1/4 acre, was built in the 40's and has maybe 1, 500 sq ft. They can have the house - but Fed's have halted all foreclosures with BOA, Chase and Wells Fargo.

I am shocked to find this website full of experiences similar to my own.

Does anyone know how to file a class action lawsuit? Isn't that what happens in situations like this? That is surely what is needed.

1/ Bank of America took 4 MONTHS to send me the application forms.
2/ Then a further 6 MONTHS demanding documents. Then, requesting the SAME documents over and over weeks later because by then I was told the documents I had previously dutifully sent had 'expired'.
3/ The 'representative' refused to communicate, or respond to polite requests for confirmation she was receiving the documents I was sending them. In fact, she seemed to be amused when I indicated concern or stress. Her communications were full of mistakes and frankly she didn't seem to care.
4/ Then, after 10 MONTHS of this, within DAYS of being told they had what they needed, I received a FedEx package saying my application had been denied.
5/ The facts they stated in the denial letter were completely incorrect, such as my income. The mistake in their 'calculation' is over $1000/mo. I WISH I did earn as much as they claim!
6/ I wept, and then called BofA describing the error. I have have been told an appeal is opened and to send more pay stubs...

This is so stressful.

I am going to make calls to see if I can find legal help, but I truly beleive that if this is happening to so many people there needs to be a collective legal action. I hope someone knows how to get it started? There would be a LOT of participants in a legal action.

yes we should ban together and do something. This is absurd.

Bought our double wide in 2005 on 6 acers and we have put over 50k into the house and property. we bought our home with countrywide which is nowBOA. What a snake. I recently had a diableling surgery and currently going on SSI and my husband was on SS when we bought this property. We have never missed a payment or been late with one since we bought our home.We applied for the home modification program and 3 month later we get a large envelope that states they cannot come up with an appropriate payment amout to help us.I have been out of work now for five months and we still have not missed a payment or been late, and we have two children. What about the people out there that lost there jobs and no money. BOA is a type of Snake, its also a Bank. Kathyrn Mullins katmonk@shentel.net

I support John Wright vs. BofA Lawsuit"

Order a credit report, dispute the negative report from BOA, the credit berau will send it to BOA and the have 30 days by law to respond, if they did you will have to cancelled checks to show that you made all your payments as agreed ...if not the credit berau will remove the negative mark from you report.

Now am being told that I cancelled the Short Sale. Thank God, I do everything in wrting and record all calls. What a nightmare. But, have found a new GREAt pleace to rent (never want to own again, no benefit or incentive anymore) and am letting the house go! They have already messed with my credit and until all is resolved I am a "Higher" risk than I would be if I went into foreclosure or BK. - sad state of affairs.

Hello,
I am encouraging everyone who is the modification process to contact their PMI company. I just found out that the PMI company (Genworth) no longer services my loan stating the PMI policy was canceled in 12-09. I called BOA to ask who is the current policy holder and they stated Genworth, the last was sent on 3/3/11. Called Genworth and they said payments have been received but they were sent back to BOA due to no active account. BOA denies the policy is inactive stating there is no other PMI company listed. This can mean one thing BOA is collecting premium payments when there is no policy failing to deduct the premiums from my account balance. This is a fraudulent act by charging for premiums on a policy that does not exist, failing to notify Freddie Mac and the borrower, and not reducing my escrow account. BOA had found a new way to steal money form customers and the government.

Hello People,
I used to work there at BOA Collections in Tx on mortgage Loans, their policies are great they have good professionalism, the only problem is that the employees need more traning, i see them having to ask their boss the same question over and over and i do see some poor performance which they do get griped at from the bosses...now as far as a loan modification on having her home for market then doing a loan mod, thats what caused a risk... and this is for future refrence, if u are doing a home for market then a loan mod at the same time is a big huge risk because the whole purpose for BOA is for u to keep ur home when ur in debt if not then for short sale or Deed in leui, THE SAD PART IS ... the customer reps didnt explain correctly to u as the homeowners and pertaining to ur info and then at the same time as the homeowner all this info is on ur loan agreement there are ways to get info what to do and what not to do, and i do feel for those who lost their home big time lord help them all and i do not know the situations but we are all responsbile for the decisions that me, you and the company makes...i hope and pray for the best to help u all and i hope this info helps this was no intention to gripe or get even but to give info as my experience on used to working at BOA.

They are the most criminal banking organization on our planet. Quite honestly, the whole banking system needs to be replaced. I was also abused by their illegal loan mod practices. Many people are standing up and fighting these monsters:
http://www.free-press-release.com/news-florida-couple-file-lawsuit-against-bank-of-america-for-mortgage-servicing-fraud-loan-modification-and-rico-without-an-attorney-1299633088.html

To add to previous. I have started recording all calls and from this point on only communicate via email. I want verifiable backup.

DITTO. They are calling me now asking when they will receive payment and I tell them as soon as they get their s--t together. Yesterday I received yet another notice telling me that they had received a a recent request from me about my home loan (not! and are in process of obtaining the documentation and info to address questions, but need additional time to complete request. I will not send info to yet another department, who knows who is actually getting all this information and what they are doing with it. Didn't BOA have a breech of confidentiality recently? If they don't communicate with each other that is their problem not mine. I have an FHA loan, so they won't loose anything on my house, if they auction it off they will actually profit and from what I understand they are not permitted to collect on both

;} I used Universal Lending to execute a modification (FTC closed their operations for fraud), then had to do it on my own. I had a friend who offered to finance the home, but after three months Bank of America still hadn't responded to multiple requests for payoff. We contacted the attorney in Monroe Louisiana who was handling the forclosure and was told they couldn't get an answer either. They finally sent me a modification just days before my home was up for auction. I signed them and sent them back FedEX. Two days later I recieved another offer. I called and told them I had sent the package off, and was told that it contained an adjustable rate and they could get it waived.. It also added back interest of over $18, 000 to the balance due of $118, 000 making the total due of over $145, 000. Since I was caught between the old rock and hardplace, I told them to go ahead with it and was put on a trial period. I fulfilled the period, (supposedly 3 months, but took over 6 months) and was sent a letter saying I qualify for the modification. The letter also in multiple places said they were preparing Agreement papers and as soon as I got them get them back in the time period stated. The wording actually was "to accept this offer, you will need to sign and return a Modification Agreement that includes the terms and conditions of the permanent modification. We are in the process of preparing your Agreement and will be sending it to you soon. Please be on the lookout for a package in the mail and return the Agreement to us by the requested date so we may finalize you loan modification". I did not recieve them within 4 weeks so I called on and was told if not recieved by June 23, 2010 call back. I waited til June 23 and still no packet. I called and was assured it was "APPROVED" but they were running behind pretty badly. They said call back if not recieved by July 23, 2010. No packet so I called on July 25, 2010. Again I was assured it was "APPROVED" and not to worry, it was taking several months to get all the paperwork out. I was told to just continue making the modification agreement payments as I had been doing. I was disabled in Janruary of 2010 and put on weekly disability payments. In Oct 2010 I was put on monthly payments paid on the 21st day of the month so I called and talked to John on the 5th day of December at 12:53 CDT. I explained the situation and he said don't worry, it would not change anything. He asked if I could afford the modification payments where they were and I told him yes. He also told me I could use direct pay by my bank at that time. He also assured me I was approved for modification and would see my paper work soon. On February 23, 2011 I recieved a call from BOA. I returned the call and was told I had been turned down. They transfered me to the DESIREE TEAM. I talked with a supervisor named Julie Nye. She said my payment was $1184.96. I explained that I had been approved each of my statements showed to continue the $983.32 Payments. She asked me to fax all that to her and she would post it to my folder. I also asked her about the turn down, and she said it did not reference that in my account. She said it showed I was still under "REVIEW". I explained the approval letter and she asked that it be sent also. Then last night, February 23, 2010 I recieved another call from another dept of BOA. I was told I had been turned down and I would be sent another packet. She also said not to be surprised if I recieved a forclosure notice and not to ignore them. She said they were sending me another package to see what other program I qualify for. So eleven months after I was sent an approval letter, and over 18 months since the process started they are now wanting to steal my home. I am now on permanent disability and would probably not qualify for any program. Where do I go from here? I have already went to the Federal Trade Commission and Louisiana's AG

If it walks like a piggy, talks like a piggy, by golly it’s a PIGGY!
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WHERE IS MY LOAN MODIFICATION BANK OF DESTROYING AMERICA!
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BofA and it’s CEO Brian Moynihan reminds me of that song by John Lennon and George Harrison titled "Piggies" I invite you to listen to this song on youtube and see if it appropriately fits.
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http://www.youtube.com/watch?v=ovD9rTzs2q4&feature=player_embedded
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Have you seen the little piggies
Crawling in the dirt
And for all the little piggies
Life is getting worse
Always having dirt to play around in.
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Have you seen the bigger piggies
In their starched white shirts
You will find the bigger piggies
Stirring up the dirt
Always have clean shirts to play around in.
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In their ties with all their backing
They don't care what goes on around
In their eyes there's something lacking
What they need's a damn good whacking.
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Everywhere there's lots of piggies
Living piggy lives
You can see them out for dinner
With their piggy wives
Clutching forks and knives to eat their bacon.
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When I filed my lawsuit against Bank of America, myself and Brookstone Law Firm thought of the many others out there in the same situation. It was then that we decided to educate the public on what these piggy banks are doing, as well as unite us all together as one voice. Please help me turn this David vs. Goliath modification process, into a Goliath vs. Goliath.
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Please stand with me and Brookstone Law firm and send an email to Bank of America that states that we will no longer tolerate their potentially illegal, fraudulent, irregular and abusive business methods. - http://www.brookstone-law.com/
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So please send your email directly to Bank of America and include the following:
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1. Your name
2. Your complaint concerning your experience with Bank of America.
3. Please end your email “I support John Wright vs. BofA Lawsuit!”
4. Please send a copy of your email to piggybankblog@earthlink.net
5. Please send your email to BofA CEO Brian Moynihan:
brian.t.moynihan@bankofamerica.com
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If you would like to join my piggybankblog "Elite Blogger Hit Team", please do not even hesitate to contact me at piggybankblog@earthlink.net. The elite team involves leaving comments on certain pre-decided Bank of Destroying America comment sections on articles, blogs and other various online sites.
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Please help me spread this youtube around, which is an announcement of my Lawsuit. It will drive Bank of Abusing America absolutely crazy to see it all over the internet:
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http://www.youtube.com/watch?v=PoOJMr7OJ0s&feature=player_embedded

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I HAVE HAD ENOUGH AND I AM FIGHTING BACK!
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Divided we might have fell America. UNITED WE MUST STAND!
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Let's Roll!
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John Wright
piggybankblog.com

My 70 yr old parents are going thru this EXACT thing right now! Only they are now 30 days from foreclosure. They have made every single payment on time since 2000. They have paid their insurance directly to their agent. They were late one time on their taxes. Now with the escrow, only a portion of their "automatically deducted full payments" are going to their actual payment. Which now shows late. 2 months behind! They can't get another loan b/c their credit report shows they have late payments! Until the credit report is cleared (hopefully this week) they can't do a darn thing! But we're also running out of time! Simply disgusting! We can't wait to get them away from BOA! Another SCAM!

I feel your pain. I've been trying to deal with BoA since May 2010 on the simple issue of terminating my PMI. Been in my house since 2004, never paid late, always paid additional principal. Currently at 70% LTV on mortgage and BoA refuses to terminate PMI without my paying for an appraisal. I have no problem with the appraisal but BoA says I have to use their company (Land Safe) which is owned by BoA. I believe thats a clear conflict of interest, been debating this issue with them sice May 2010. They are stonewalling me for a silly $39 monthly PMI payment. I'm tepmted to walk away from the house and let them have one more forclosed house to deal with.

I can see by the constant negative and deflating meanness of all your posts you sir have the blackest heart on earth. Sick freak.

I too was given the run around. Was told I don't make enough (DUH which is why I need loan mod) to make more money. As mentioned above, I too am on Social Security Disability and am not allowed to drive or work. To make comments such as these isn't it discrimination? against Americans with Disabilities Act?

Right now many banks have hired companies to defend them online by posting excuses and taunting people into ruining their points and arguments. Everyone should realize if you owned a company and it was being ridiculed online wouldnt you write things or hire a company to write things to defend your reputation.

Of course you would.

Beware of these "defenders" of companies they may come off preaching high morals and be accusatory of your motives and intent...but the fact of the matter is most of the time they are just trying to discredit you and deflect good honest points a poster makes. Such as " company X ripped me off by doing this and this and this" right away goons for will be called in to call you names; a bum or lazy or its your fault, never once talking about how its true company X has commited fraud or lied or misled or omitted.

Its a sad fact, but corporations are flexing their muscle online and they do not want the truth out there...they want more lies and deception. In my mind the legal entity of corporations should once again be banned as it has been twice before in history. They were banned in europe hundreds of years ago twice and guess what they were banned for the same crap they are doing all over again RIGHT NOW. Funny how history repeats.

B of A failed to communicate professionally that is the bottom line here. Derrick is not the problem B of A is the problem. They have contractually breached their fiduciary responsibility to communicate in a timely manner. PSUGUY is a mole or stooge for these clowns and he has tried to deflect and redirect the real problem here and it is B OF A SCREWING PEOPLE through incompetence and in MANY cases outright fraud.

Don't bother to reply to the B of A teenager, he is extremely judgemental. Your gripe was simply, why the hell didn't the damn bank just say upfront, no loan mod. You wasted valuable time, that would of been better spend invested in making other arrangements. I understand clearly what you are saying about how they strung you along. You did not force this institution to a loan modification and you are not capable of making several representatives tell you that you are qualified & being processed, when they in truth never began the process, they wasted your time by not being truthful. I don't know what his preaching had to do with anything, he basically is an ### who proceeded to make comments that have nothing to do with the topic at hand. You were beyond clear, so don't worry, normal people understood what you had the dispute about. God Bless and good luck!

They don't modify loans because they just don't care.

Bank of America...it sounds so powerful and positive. CLUELESS is all I can say. I have never attempted to talk to 20 different people with 20 different responses in my life. They are a train wreck to say the least. They ruined my home, my life and my family due to stupidity. I hope they all rot in hell and suffer they way they are making me suffer. Modification? Hardly...scammers, con artists and should not even have "America" as part of their name.

I was hired at Countrywide in early 2007 as a loan modification supervisor. Previously I worked in Orange County's mortgage market for 7 years. It is true that we sat on loan modifications for no good reason. I personally oversaw numerous loan mods that simply went nowhere. Foreclosure proceedings were always been processed. If you want to know more i'm at koromanti@yahoo.com

I just made a comment to you Nana then the computer died! So hopefully this isn't a duplicate! I will sum it up quickly. I'm the wife and we understand your situation & I pray for a happy solution for you. After some research last evening I've come to find that Derrick's income has been cut to the tune of $50, 000 per year. Some negative comments were made and in frustration my husband behaved quite unlike himself but as you are going through something similar, you must know the stress that comes with. As far as our home, we both worked when we purchased it, everything was fine until hours and pay were cut so drastically. Again, I don't know where you or the other commenters live but if it's California, you must know how horrendous our economy has been and continues to be. We're happy to have jobs and while we've been filling out apps, sending out resumes, selling our items & so forth, if we don't get hired, we don't get hired. As far as 2nd jobs go, we've both had 2 jobs in the past, obviously we are hard workers and dedicated to taking care of our child and our debts but again, somebody's got to hire you and it's not happening. We both work now but our income is still down 50K per year, we've lost nearly half our yearly income in the last year and a half. I imagine Nana, you must been feeling a similar loss yourself. I have 2 friends, both with 20+ years with their jobs, now unemployed. It's a sad, sad situation here. As far as handouts, we've never taken one, nor asked for one. BofA said we qualified for a "restructuring" which seemed to have the same basic principles of refinance. We'd go back to 30 years on our mortgage with a new, lower monthly payment. We never asked for a principal reduction either. We've never refinanced but I assume it would've been very similar to restructuring. So in a nutshell, that's where we stand. We don't want something for nothing but I do believe that our hard earned tax dollars did go toward those bailouts and while we are not asking for a bailout, isn't helping the people and the economy the entire purpose for those trillions of dollars in bailout money given out for? And one last thing, most people don't expect to go back to "Go" (so to speak) when you are in your 40's so as far as being prepared, we had all the usual stuff in the place, 401K, insurance, savings and so on. Losing 50, 000 per year, you use up those reserves right quick. Nana, I hope you have a really happy and blessed Christmas.

Derrick, I understand your situation since I am living it. I had two jobs when I got my house. I got my hours cut in one and got laid off from the other. That was since may 2009 and still getting denied by BA since then. Now that I have a full time job they still not willing to work with me unless I come up with all the money that I owe in back Morgage which I cannot afford. I even went to NACA which was a told waiste of time. Now the Bank to me that they cannot help me since my loan is a FAH loan and refer me to a HUD approved Agency. Like you I want to keep my home since now I have the income to pay for my morgage. I feel like BA prefer to have the house standing there empy for monthst instead of working with me on reinstating my morgage which will bring money to their pockets.

Get over it Mr & Mrs Angry, you made your point. It seems you guys are on some sort of a smear campaign. Who the hell died and made you guys masters of the complaint board anyway? After doing a little research it is obvious you guys have the most complaints, ### and gripes of all, Congrats. Perhaps you guys are sexually frustrated. Theres a great adult section on Craigslist and theres also a rants and raves section as well. I thought I explained to you why I posted my story. Feel free to continue your riotous advise campaign. I hope you guys win an award. I can see it now, Brenda and Psuguy wins "FIRST PLACE" for the most ###, Gripes, Rants, Raves & Riotous Advice in one year on the Complaints Board! Well have fun with your miserable selves and don't bother commenting on this because you wont hear back from me. If I do return you will be nothing more than laughing stock. See Ya!

The wife is back and by the way, I do work. You say you could handle an income loss of significance. Really? We had over 6 months worth of savings to handle our debts and responsibilities, in fact more, but it does eventually run out. Not real sure why our situation makes you angry. I believe my husband has quite clearly stated we are not asking for any handouts or any such thing. He has never stopped working, but his pay and hours were cut. You never did answer if you live in California. I work as well but you call us whiners. I guess you've never, ever in your life have ever had a setback of any proportion. Why is the bank bailout another story? Your tax dollars paid for that as well as ours. You OK with that? As far as cleaning houses, mowing lawns, etc, you must be assuming I have no qualifications other than that. Oddly enough, I was a legal secretary for years and as I repeatedly get turned down for jobs I'm told how "overqualified" I am. Just so you know, that legal work was fulfilling, as is being a mother, a wife & employee is for me now. Trust me, I do use the brain God gave me. Do you? I do have some qualifications for work though. It must be legal and moral. You said you made sure 'everything is in place'. I imagine that your age or where you live must not be remotely close to ours because many of my peers are suffering the same issues to different degrees right now. So while I understand you may find our situation completely of our own making, I assure you it's not. And again, I say to you ~ judge not lest ye be judged. I pray for you, your text is leading me to believe you don't care much for women that don't work full time or work two jobs. Forgive me if my assumption is incorrect but it is based on your comments.

Brenda, his wife does have a job, do you?

Thank you all for your input, negative or otherwise. It's good to know our fellow Americans have something to say and that we can have a lively discussion with different viewpoints about many things. I wish you all well and I'm praying for my family every single day.