According to the FDCPA act, debt collectors can't contact your neighbors time and again. They can communicate with your neighbors only once when they are unable to locate you. The collectors are also forbidden to reveal your debt information to your neighbors. The Act also prohibits the collectors from threatening debtors when collecting debts. So, now you know that BOA and NorthStar are violating the FDCPA laws. In such a situation, you should contact your State's Attorney General. He can tell you what legal action you can take. You can file a case against both BOA and NorthStar. If you do win the case, then they will be required to give you $1000 and financially compensate all your legal expenses. You may even register a complaint with FTC.
Credit card debts are unsecured debts. So, legally they can't foreclose your property. However, they can sue you for non-repayment of debts. If the collection agencies are not interested to negotiate a payment plan with you, then its better to take professional help. You can get professional help from the debt relief companies. the representatives at the debt relief companies can negotiate with the collectors for an alternative repayment plan in a better manner. It is better to take professional help and pay off the debts than being sued by the collectors.
The FDCPA does not apply the the original creditor, BofA.
I agree with Soaplady. OP, I think you can file cases against Northstar as they have violated the FDCPA by calling your neighbors and telling them the reason of the call.