BofA Stiffs Couple On Loan Modification Request, Forcing Them To Vacate Premises; Then Refuses To Complete 3-Year Old Foreclosure Process

In Las Vegas, Nevada, KTNV-TV Channel 13 reports:

• Linda and Mike Cirillo are seeing their old house for the first time in years. "Wow!" Linda says as she walks up to the front door. "They've been here." The "they" she's talking about is Bank of America. And it's obvious they have been here tacking notice after notice on the door announcing the foreclosure of the property. But this is not how Linda remembers her dream house.

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• The dream started to sour quickly when they were hit with job loss and some medical issues. "And I called the bank to tell them I couldn't make the payment and at that time they told me to wait three months, and I called them back and said, but I don't want to be late on my payments. I want to work with you." But she says the bank wouldn't work with them.

• In February, 2008 B of A started foreclosure proceedings and sent the Cirillos a notice that they'd set a sale date. "We decided to go ahead and move before that because we didn't want to have to deal with waiting for that to happen and people pounding on our door and telling us to pack and move."

• So on June 12, 2008, they moved out, having no idea their name would stay behind. "It's financially ruined us. Our credit rating... they report us as being delinquent every month so our credit rating is completely gone. It's made it very difficult for us to do anything."

• B of A has set eight sale dates on the Cirillo's home over the last three years. The most recent note says, "Your home will sell on February 3rd at 10:00 a.m." But like all the others, the date came and went, but the house never changed hands. In the meantime, the Cirillos are being pursued from all angles.

For the rest of the story, see Contact 13 Investigates: Foreclosed but not forgotten.