I hired a organization to assist me with my loan modification because BOA was stringing me along for 2 years. I was in loan mod status for two years!! The group was to basically be an liason between myself and BOA. I went on their website and it's GONE...Phone is disconnected AND they have took the money I paid them as well. I'm soo frustrated and i don't know what to do. Why does BOA take so long with Loan Mods. Oh, and another question, BOA told us throughout the loan mod process not to make a payment until the loan mod is complete. Have you heard that too. I'M SOO CONFUSED!