My name is Felix A. Garcia I bought my home in March of 2001 through the VA loan process and I was working for The Federal Reserve Bk of NY (EROC) ctr.,East Rutherfoord,NJ for 31 years. I became Ill and was let go when I returned to work about 2 weeks later. I collected unemployment and It took me one and a half years to find a new job. My wife was working and had me under her health ins. at the time, then she had an accident at work and was not hired for being injured and sick in the hospital for 8 more days than her job allowed her to be out of work, her contract was not renewed and she was let go in 2005. She is now on SSD and so am I mine started in March of 2009 and I was terminated in Sept. 2009. I have been talking to Contrywide/BK of America Mortgage to help me in a loan modification/rate reduction loan and keep my 22 years and 5 month's that I have paid into this mortgage since Oct. of 2008 . They keep giving me the run around I have been in contact with Sen Robert Menendez, Sen. Frank Lautenberg and Congressman Donald Payne's Newark, NJ offices and they are trying to help. I have sent e-mail to The President Admin. office twice ,called and e-mailed 7 on your side, Help me Howard of wpix channel 11 news and I have yet to get a respones from any of them. I have been in contact with my VA Rep. Ms. Kendra Smith in Atlanta,GA and I am in the process of getting financial and hardship documentation out to Ms. Smith to see what she can do to help me with Bk of America to stop trying to shove me aside a Vet. Of The Army National Guard of NJ from 1978 till 1986 and proud to serve my country I am of Puerto Rican-Spanard desent born in Fajardo,Puerto Rico and proud to serve my country The United States of America. I need help from wherever I can get it. Thank you in advance for your cooperation in this matter because Veterans matter,without us the freedom of this great nation of ours would not be here.