Bank of America Credit Card Complaint

Bank of America Credit card department,

Forbearance / Workout plans Massachusetts

Due to the - of -/-/- and a severe loss of income, I could not pay my credit cards. No one would work with me and I ended up being summoned to court. I could not afford an attorney. The cards were all bundled together and the attorney representing the credit card company offered me a re-payment agreement that would span 3 years. He told me to sign it and make the monthly payments, determined by him, for 3 years and said that would be the end of it. I signed it and the judge approved it. There was no discussion about forgiving anything. They said - pay what you owe and I did. I worked very hard to make the payments from the -/-/--/-/- time frame until -/-/--/-/-. During this time, my husband had to file bankruptcy and we had to short-sale the house because again, no one would work with us. Not the homeowners relief program, NO ONE. I never received any further communication from ANYONE. Now we fast-forward to -/-/- and Bank of America sent me a - form stating that they are " forgiving '' $12000.00 of debt! There is no possible way this could be


Bank of America doing to me behind my back? Adding on late charges and penalties and fees every month, while making absolutely no effort to contact me so that perhaps this could have been resolved and now, almost 9 years later they are " forgiving '' $12000.00 of debt? How can this even be legal? How am I going to pay taxes on this now? I am - years old and I am not made of money. Please make them rescind this form. I do n't have the income to justify a credit limit of >= $1,000,000 on - card. In my opinion, this is fraud. Is Bank of America trying to manufacture write-offs? I do not know HOW I will pay this tax bill either. What is next - debtor 's prison??????