Can anyone provide any insight into how to get Bank of America to renegotiate our delinquent mortgage payments? I have crunched the numbers and can figure out how to catch us up in a little less than a year, but will they work with us? I plan on calling them tomorrow. We have already been denied a loan modification, so I'm not sure what other options I have. I've heard of some companies doing repayment plans, but you usually need to have 25-50% of the delinquent amount up front. There is no way we can swing that! Help?! Any advice is welcome. Thanks.


