Lets talk about the State of California actually passing SB 94 in 2009. This was a law that stipulated that nobody could any longer charge you an upfront fee for a loan modification. Two years ago John just wanted to work with BofA on his mortgage modification, but that first conversation didn't end up well…not for him, but for the bank :) That day the idea for www.piggybankblog.com was born and we got “My Name is John and I'm Fighting Back” to help many of us in mapping this road we were forced to travel. Johns message to us:"If you can make a transformation from being a victim to being a warrior right now – that can change everything!" DISCLAIMER: I am not an attorney and I am not engaged in rendering legal advice. My intention is to do no harm. It's my opinion and advice, not counsel. I'm just one of many homeowners in my quest for the exit from this mortgage mess we found ourselves in. Everything I say is based on my own experience or on the experience of people who shared their stories with me. I am not responsible as an “expert” and for what you do with my advice and knowledge. I cannot tell you which direction to take, but I can share my story with you to show that we are not alone in these struggles.
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