[Astro]

Thank you Emorybetsy for your reply.

It seems that perhaps there has been a change in the process in the past couple of months, particularly regarding people who are not yet behind in their payments. When I first called B of A a few weeks ago, I told them I was not yet behind, but that did not seem to matter to them; this contradicts the reports of many others on this site as well as stories I have read elsewhere.Maybe there is a new process in place at B of A? Or maybe this relates to the new/ revised legislation?

So far, I have had no problems and no resistance. I think I will give them the thirty days they have said it will take to give me a response. From the conversations I have had with their customer service people, I probably won't even hear back from them as long as my documentation is sufficient. Supposedly, the next thing I will hear back from them is either a "yes" or a "no"; though I am questioning this - could this process be so simple now?

So, hopefully, I will get a positive response and a reasonable offer in the coming month, since I believe I meet all of the requirements that I understand to be part of the Obama plan. If not, then it will be time to escalate to the executives, and take it from there.

I also read a small item somewhere in the past few days about the banks receiving a payment of something like $2.8 billion from the Federal Government related to this program? Does anyone have information on this? Maybe the money is starting to flow a little easier now.