Since June of 2010 I have been in touch with BOA (my original loan was with Countrywide). They have NEVER contacted me, though I have called them at least 1x per week since June. August 7, 2010 I faxed paperwork required to BOA CEO line. Sept 19, 2010 I was finally contected with Loan Negoitatoer's Manager (Dandella Harris, negotiator is Rashimi Kumar) who told me that they had fedexed paperwork to me, but I had called several times and they showed that the paperwork was scheduled to go out but never did. When I spoke with a manager, I was told that it would take 6-8 months to get approved and that this would not stop foreclosure. I have been making payments as I could, payments have been partial to cover principal, insurance and taxes. I am on SSDI (and am scheduled to be re-evaluated in 2011. I receive $1655 per month. My mortgage was $980 and has gone up to $1020 because taxes went up. Yesterday I got a notice of intent to accelerate mortgage and they gave me until 10/20/2010 to pay $1750 or I would be indefault and accelerated payment in full would be due at that time. I payment was not received foreclosure proceedings would start (they also said that they would visit the property to see if I (or anyone)was living at address and if there were any damages, etc...). I have a ton of medical bills that have gone unpaid because I tried to make mortgage payment. This is a FHA loan at 7% interest.
I have done everything I can to not get to this point to no avail.