My husband and I started a modification process with Bank of America on August 28, 2010. We met the qualifications for a trial period and those payments started in October, 2010 - December, 2010. We paid the notes on time and according to paperwork that Bank of America sent to us, our loan modification would be final within 30 days of the last trial period payment. It is now the end of May, 2011 and our modification is still not finalized. It was just yesterday, May 26, 2011 that we were told that we would be receiving a letter of denial for... read full review »