Last September 2012, I started a request with Bank Of America to modify my loan through the loan modification program. When I first called them knowing that my loan would soon be in trouble, they told me until I was 3-4 months behind on payments, they could not help me. During that time, I was employed. I have been laid the month after. I contact them again, thinking they would help me. I was assigned an adviser. I later received a later from the same person saying I would no longer receive any help due to the recent change in my mortgage. I call them them to find out what change they are taking about, but cannot get any answers.
Right now, My mortgage payment is about $2870.00 and my unemployment benefit is about 2100.00. I am current with my payments. I am thinking about what to do.