E Komo Mai, VIRGINIA!

I think it may be time to get one.

I need one that "get's It", though.

Thanks Virginia,

II have done all of those things and more. The AG assistant who is the person actually involved in the 50 state investigation knows me and spoke to BOA on my behalf.

BOA will give me a copy of the note, but that is it. I found out everything else on my own.

At this point, I am just wondering if having an Attorney would be helpful to negotiate a fair loan modification, considering the strong likelihood that the loan is not "owned" by who they say it is owned by, and therefore, if they do not give a modification and it goes to foreclosure they 

will have a problem.

What steams me the most is that back in Jan of 2010 I was going to sell my home because we had some hardships. We really did not want to do that so had sent us info on HAMP in the mail and we heard about HAMP in the news we called BofA and after a two hour phone interveiw I was assured several times I qualified for HAMP and that I we would start on a 3 month trial period no later than 30 days from that day. As long as our financials matched what I gave over the phone ( which they did ), than it would be permanent. 

Long story, you know the drill. But they never sent the fed-ex with the trail after a few months told us to miss payments, etc, etc.

But the point is that we COULD have sold our home, kept our great credit and even made a small profit , but now we have bad credit, are too far behind and our home is underwater.

They used the  government HAMP program to lure us into default through direct lies and fraud.

I have the prospectus as well.

My loan was either added late or as a substitute , because non of the 17 loans from Hawaii 

had a remaining principal that was over $500,000 ,  my loan was higher than that at the time.

My loan was also originated a year  earlier than the date of this security.

Servicer is Bank of America Servicing LLP ( aka Countrywide )

Aloha Virginia,

I have been fighting with BOA for over a year for a loan mod.

I have managed to get the PSA and the name of the trust my loan mod is in.

I have reason to believe that my loan was never put in the trust, and if it was, I do not believe it was transfered according the the rules of the PSA.

I am not in foreclosure ( yet ) but wondering if it there would be an advantage to work with an attorney at this point with the goal being to having leverage to  have the bank settle and give me a fair modification rather than fighting and trying to eventually force foreclosure .