Well, times seem to not be getting any better for me. Due to family problems I have ended up being behind 64 days on my home loan with BofA. So I got a letter telling me that they want to schedule a face-to-face meeting with me to discuss my options. this seems kind of strange to me cause to meet face-to-face makes me feel that they are trying to intimidate me. I have already spoke with their collection dept about be being able to make 2 payments this month and 2 in feb. no one metioned anything to me. I do not plan on going 90 days behind. Any advise before I call them monday. I am somewhat scared to call them. I hear they can be bullies. I do not think they will understand that my mother was homeless and I helped her get a place and then my son was hit by a train. Anyone here get the same letter? Thank you
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