It's not just BofA, that was just the bank specifically mentioned in the article, and of course one of the worst offenders in the general category of being a ma

It's not just BofA, that was just the bank specifically mentioned in the article, and of course one of the worst offenders in the general category of being a major pain in the ass. Most of the cases I read about begin either before the owner falls behind, or shortly after the first missed payment. They try to work with the bank on a loan modification, sometimes under the federal program that some qualify for, but paperwork just keeps getting "lost" -- sometimes they claim to have never received it, other times they freely admit that they "lost" it themselves. Edit: I'm not speaking generically here about all foreclosure cases. I'm speaking strictly about cases where loan modifications were sought, and the owners weren't turned down, and followed the bank's instructions, but one day the bank just decided to start the foreclosure process, and after that it was robo-bank time, nothing could be done.