I received notice in March that my loan had been assumed by BAC. I did not receive a statement from them in April so I called and was told that the loan was paid off. Obviously a computer error. The next time I called to try and make a payment I was told that I could not make a payment as the house was in foreclosure for non-payment for 14mo. After many phone calls, I was told that my previous lender had filed bancrupcy and that it was not BAC's fault that the government had not released the records. I finally got them to accept bank statements as proof of payment. In the meantime, I gave them the equivalent of 3 months of payments while they figured out what I exactly owed. In the meantime, I started the modification process. Today I received requests for additional documents for the modification and taped to my door was the notice for sheriff's sale. They won't ley me make payments! They won't tell me what I even owe! How is this all legally possible? Who governs them? Who can I talk to? I can't afford an attorney and still risk losing my home!