Hi Mr. Hood,
First I want to say thank you for fighting for all of us who have been wronged in this
situation. I know you truly care about the people. I have submitted my claim on line
and I am going to mail it in as well. I was apprehensive about filing. The process of
loosing our home was devastating as I\’m sure it is…f..o. r everyone. My son who was 12 at
the time, had to have major reconstructive surgery that could only be done in
Birmingham with the best doctors. We lived 3 hours aw~y. We almost lost him after the
surgery and he was air lifted back to Birmingham for a lengthy stay at St. Vincent\’s
Hospital there. After a year of him being in a wheel chair and therapy\’ 3 days a week
and almost weekly visits to Birmingham, we had no choice but to try a loan
modification due to our extreme hardship. Bank of America assured us due-to our
situation we would definitely be able to do the modification. My husband and I both
worked and were struggling to keep our home. In Sept 2010, my husband lost his job
unexpectedly. This of course was devastating. We knew we could not pay the high
house note we had. Again, Bank of America told us to do the loan modification. They
even told us NOT to pay our house note while in the process. After many months of
calling and calling them, only for them to tell us it was still in the process and it takes
time, they foreclosed on our home without any notice of whether or not the
modification was approved or denied and without any notice we were being foreclosed
on. After everything we had been through and still managed to work and try to pay our
bills, this is how we were treated. I went to the foreclosure court hearing. I begged for
just 30 more days so we would not have to move our two children out of their schools
until the end of the school year. I also told the court of Bank of America\’s tactics and of
them not giving us any notice of the process taking place. The Judge made it clear on
court record he felt I needed an attorney to challenge the foreclosure. At the time, I
literally almost had a nervous break down due to loosing our home which we had
worked so hard and for so long for. I couldn\’t bare to address it anymore. In fact I
received the information from your office months ago and it has taken me this long to
respond. It is just such a painful situation, I don\’t want to-get my hopes up and not get
the results we need. Due to the foreclosure, we filed bankruptcy and lost everything
including our two vehicles. My husband got a great job this year and we have been
rebuilding. We basically pay a house note now to rent a small apartment. I watch my
youngest son cry all the time because he wants to go back \”home.\” Because this
process ruined our credit we can not purchase a home. My prayer is that in this
settlement we may get what our house is worth and the amount that will compensate for the loss of our home, our credit, our lives as we knew it. I don\’t think any amount of
money could ever do that, but hopefully we will receive enough to purchase a home
again soon. The price of a home like the one we had in the our son\’s school district is
around $250000. I can not tell you how much what you are doing means to my family!!
Thank you from the bottom of our hearts and God Bless you and your family always.
Sincerely,
Chera Breland

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