I just found this site at last night, and I learned that I've wrongfully tried Loan Mod. with BOA in last 14 months.
I had tried get Loan Mod. from BOA more than 6 times in 14 months, all failed. Also, I hired a lawyer who promised me to get Mod. with Moneyback Guaranteed when its fail. However, it failed and never respond my calls and refused to pay me back.
So I am alone to fight BOA. At last night, I called BOA, and they told me that my acct is frozen because of 7 months behind payments. If I pay 5 months due, then they will reopen and give me a chance to put me in other modification program (NO Guarantee to approved).
I was pre approved "Home Affordable Modification by Obama's Plan" in May 2009, but denied on Oct. 2009. After that I had offered by a BOA Analyzer that paying just 1/3 of regular Mort. for 3 months, then pay off all Credit card debts & personal loans. Then I need callback to get BOA Own Mod. program. So I did it and call back as soon as I sent 3rd payment tonight. However, they told me ( I talked to 4 different Reps) that only option I have is refinance my mort. and transferred me to the loan dept. Since I have over due in existing Mort., I am not able to get refinace option at all. At this moment, only option is I have sent over $15000 as Cashier's check to BOA Retail Payment Service, Dallas Infomart, TX by overnight. The rep told me that BOA will not helping anybody who has deliquent balances more than 90 days, and advised me keep my mort within 90 days current.
Please give me some advise. Do I have to pay over 15 grands to get another chances to apply BOA Own Mod. ? Any idea BOA own mod. program is? I want to stay in my house and I will not walk away.
thanks in advance