Bank of America Mortgage Complaint

Bank of America Mortgage department,

Conventional fixed mortgage Loan modification,collection,foreclosure Kansas

My husband and I have totally depleted our financial resources and can no longer make our house payments. We are in our mid -, I am retired, he needs to. We did some amateur research and decided to investigate possibility of " Deed in Lieu of Foreclosure ''. Our house payments have been going to Bank Of America so that was our first call on - -, 2017. We endured - transfers to differing individuals, all of whom wanted to talk about re-finance options. Since we can not even afford utilities we can not stay in this house. We explained that to each person and each responded with " I can not help you with that. May I transfer you to ____ who can give you that info? '' The third person was more determined to sell us on refinance but finally got the message and said we needed to talk to our Investor about that as BOA is just the debt collector. She then told us she could not tell us who the investor is by phone, fax, email, but only by post mail. The total time spent on that phone call was 35mins. Ten days later, we received that information, by which time we had already missed 2nd mortgage payment. Yesterday ( - ) when mail came we contacted - - Their immediate response to our story was they could not help us with that, and we needed to talk to bank. HELP! We patiently explained all that had transpired by phone and mail, and they finally agreed to Mail us the forms to make application for loan review. Will this process now continue to use up time until we have missed too many payments and foreclosure becomes automatic?