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They just would not work with any of us after false promises, after leading us into foreclosure, saying that we had to be three months behind in our mortgage payment before they would -- >> thousands if not tens of hundreds of thousands, millions of people were told by banks that you had to be late on payments so that you could qualify for loan modification, and then once you went late on a payment, they foreclosed on you? >> they foreclosed on us, added hundreds of thousands in fees. illegal fees. they had sloppy accounting. the amount they stated i owed varied in three months by 130,000 in t...

Mortgage payment before they would -- >> thousands if not tens of hundreds of thousands, millions of people were told by banks that you had to be late on payments so that you could qualify for loan modification, and then once you went late on a payment, they foreclosed on you? >> they foreclosed on us, added hundreds of thousands in fees. illegal fees. they had sloppy accounting. the amount they stated i owed varied in three months by 130,000 in three months. >> let me ask you this, you voted for donald trump. tell me what drew you to him, why you voted for him. >> like many of the people i'm ...

Are persuading the banks to modify the loan or doing a short sale, which means selling the property for less than what is owed on the mortgage. >> you had to be in such a sweet spot to get a loan modification. you couldn't make too much money. you couldn't make too little because the banks wanted to see you could afford the payment long term. so, if you weren't in this little, tiny piece of pie that they cut out, you were going through months and months, if not years, of supplying paperwork to the banks, giving them your pay stubs, your bank statements, hardship letters, over and over again on...

People to pick it up. >> making their mortgage payment was the top priority. they tried repeatedly to reach someone at the bank who could work with them. >> their staff have a certain script that they read, but you can't really get into actually sit down and speak with anyone. >> we have a record of having been here for 18 years, all of this time. we're not going to all the sudden abandon our property and run off somewhere. we're, i would think, a very good risk. >> this is our home. and it's small. it's only 1,500 square feet -- a household of things that we've collected over our lifetime. it...

>> that law was december 3 1st 20shgs 14. if you were looking to do a short sale or loan modification, be prepared for a big tax loop next we're. >> if the bank is forgiving $200,000 of your mortgage, they wouldn't count that as income, meaning that you are overall income for the year is not only what you are making, but the debt is forgiven, which is going to kick you into a higher tax bracket and have you tax liability for you. >> just because a bank agrees to a short sale or loan modification, you are not necessarily off the hook. make sure you read the fine print. >> a deficiency is basica...