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Spent over 4 months sending the forms and document copies (many multiple times).My husband was out of work 4 years and rcvd unempl benefits only the first 2.

After all was done they declined to modify my mortgage as they said I did not have a Financial hardship? I make a lot less than my husband used to make and we own a home on Long Island, NY.

I rcvd several threats of going into forclosure.I did everything from sell my late Mother's jewelry to borrow from friends and relatives to catch up-I think that is a hardship!

Review about: Bank Of America Mortgage.

Monetary Loss: $12000.

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