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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

You probably should have called and requested a payment or 2 deferment....when I had a major medical emergency, they defered two payments for me and tacked them on the back. However we called BEFORE we were need to be proactive.

Call and talk with them.

Sub: #1 posted on Sat, 01/01/2011 - 17:28

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Is there anything besides 2 paystubs and bankstatement and tax return that I should have ready. I just want a payment plan. not a modify. And is there anything I need in regards to proof of my son being hit by a train. He did survive, but will be unable to use his arm for at least 6 months or more. He has a long road ahead of him now. I would have been fine if that would not have happened. And does anyone know what the chance are they wont work with me?

thank you all

Sub: #2 posted on Sun, 01/02/2011 - 09:11

Jasgal Jasgal

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Soaplady, great news. I called as you said and with the issue of a family emergancy they were more than willing to work out a payment plan with me. Thank you so much

Sub: #3 posted on Fri, 01/14/2011 - 13:00

Jasgal Jasgal

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