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None. In XXXX, We refinanced our mortgage through XXXX XXXX which sold it to Countrywide which was absorbed by Bank of America. After having our second child we tried to sell our home to find something larger to no avail as the market came crumbling down. Bank of America ignored our calls and requests for over 12 months regarding loss mitigation options. Finally they told us they could n't discuss any options with us because we were current. In XX/XX/XXXX we stopped paying the Mortgage. We were told by Bank of America that we needed to find buyers if we wanted a Short Sale and we did on multiple occasions only to have BOA back out or not respond. We were forced to repeat this process numerous times to no avail. After we found a larger property to rent, Bank of America changed the locks bar