Thank you for your question. I look forward to working with you to provide you the information you are seeking for educational purposes only.
You need to get your attorney to file a motion to dismiss the foreclosure or to stay the foreclosure proceedings based on them not following the law an d giving improper notice. Unfortunately, this merely delays the inevitable, but it does give your attorney chance to look at the mortgage
document closely and determine if this is one of those BoA fraudulent mortgages or to determine if BoA breached the mortgage contract as well. If your attorney can prove this is a predatory loan or that somehow BoA violated the terms of the mortgage, then they will usually be forced to renegotiate this mortgage with you.
I understand that you have little income, but these foreclosures require close inspection of the loan documents and an audit of the loan to make the proper determinations of whether or not the bank is in violation, so getting a local attorney to file to object to the foreclosure and seek a stay of the sale will allow the attorney to properly examine your documents to see what BoA has done to violate your mortgage (usually they are able to find at least something to force BoA to negotiate because the bank is not usually good at following their mortgage contracts or the laws).
At the very least in the delay you can try to get them to agree to a short sale to avoid foreclosure. Also, it might be possible to file bankruptcy which also could at least delay the foreclosure and the attorney will examine each of those options for you because your assets and debts have to be examined in addition to the mortgage contact for any BoA violations.
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