it forces the home owner to bring all their paperwork and also to connect with a lender attorney who can infiltrate and get through that black abyss to get to the person of authority to get the deal done. reporter: by the time flannery arrived, he was frustrated. at the bank of america he had tried to save his hole through the new home modification program which worked out a schedule of payments. but he says he found himself tangled up in a morass of red tape. a loss of documents. bottom line wherks arrived in december, his home was still in foreclosure despite the fact that he says he made three months of payments on time as he was required to do. reporter: what is your hope? that i don t lose my house. reporter: this courtroom may be his last best hopeful he was assigned to housing counsellor pamela. i consulted with the attorney for his mortgage company and