SantaFean October 8, 2011 at 7:46am
Well BofA is just a debt collector in this case as I am almost sure BofA sold the mortgage into a securitized pool of notes. The REAL reason for no loan mod is who owns the note? NO ONE knows! The banks bluff and lie about it until you demand them to show the note. The note was supposed to be assigned through all the various entities in the securitization process, the note was supposed to be held by the Custodian who is identified in the Prospectus but out by the issuing party. Sue BofA.