I called the MHA compliance number your provided (which by the way THANK YOU)
She did a 3 way to MHA and we got to the bottom of things!
My other question is why does BOFA show I am 2 months behind (basically since I was assigned a negotiator) when I am not? I ahev not started trial payments.
Also MHA compliance rep stated I needed to be behind in order to be eligible for HAMP, I thought this was not true?