WAITING STILL..... for B OF A to make a dicision

Two phone calls to Andre last week, one on Thursday and one on Friday get no results other then he was able to get the sale date extended again. I am told to call him for updates rather then Bank Of America directly. I must admit I prefer that as I am hoping Andre being the professional would give me some leverage being a HUD approved Counselor. Bank Of America should know that Andre has run the numbers and estimate value on my home and will see I am a good candidate for the HAMP.
With hearing from my nephew that there is talk of another financial bail out! Which the though alone makes me sick to my stomach. You can not help but think the reason so many banks are losing money and failing is because they hold thousands of mortgages that they will not accept the payment on since the homeowners are in forclosure. These financial institutions are not modifying or helping homeowners in a timely manner and it seems are waiting to get every dollar they can out of the property. Which of coarse is increasing the interest for the homeowner and placing the homeowner at a higher risk of losing their home. While these banks are getting no flow of income from all of these homes they have the nerve to ask for a bailout! Aren't they suppose to be bailing out so to speak the homeowners? I know common sense tells me that if the banks accept a lower payment from the homeowners then they cannot come back to the home owner and ask for a higher payment. But that would surely stimulate the economy better then our current government "stimulant" plan! And the reality is why should these institutions be allowed to hold mortgages and not have a government review process that can assure they are doing their best to assist all homeowners? Why is it that inside these banks the system of modifying or refinancing is so convoluted that some homeowners end up speaking to so many different people and departments that they get confused and discouraged. Where is the standard. Where is the quality control? Who is holiding thes banks accountable? Isn't that our governments job? What can we do to fix our government and take this problem back and enforce simple quality controls? And why did our government not do this and not foresee this? From what I have heard Allen Greenspan did warn our government in time for this whole mortgage process to be reviewed and thousands upon thousands of homes could have been saved!
Here's a thought, is it possible to sue our government for due process? After all we elect our government and the intent is that policies and procedures are to be put in place to protect the people Not the corporations over the people. Any thoughts on that?