Bank of America! We own you!

Early this morning, around 7:45am, Monday, I called Bank Of America's loss mitigation. Hoping that I would get a different answer from the privous times I readied my information and went through the steps:

1. is my house in foreclosure yet? No
2. when will it go into foreclosure? Don't know.
3. Have you tried selling your house? yes. All of 2007 and half of 2008. No one bought it. No offers. Real Estate Agents don't even want to list it.
4. Can I return as a "deed in lieu of foreclosure?" No. In order to do that you cannot be behind on your payments.
5. Can you reduce the principal? No. Bank of America doesn't participate in that program.
6. My brother wants to make a settlement offer. Can you consider that? No. We need a full agreement submitted, with all the paper and an appraisal.
7. I don't want the house. Can you please take it back right away. It is in Richmond, California, and the area is all boarded up with foreclosed or abandoned house. I don't feel safe there anymore. Response: Sorry, but we must follow the procedure.

This the same story I have gone through for over 1 year, and this is the same story I have heard trying to help family and friends.

No one listens. No one acts.