Bank of America Mortgage Complaint

Bank of America Mortgage department,

Conventional adjustable mortgage (ARM) Loan modification,collection,foreclosure California

After filing for modification review and waiting for more than a year for a resolution, Bank of America finally sent me a modification under the - program and they miscalculated the income. For this modification, Bank of America calculated the household income to be $6900.00. Based on that income, they came up with monthly mortgage payment under the - program to be $2100.00. $2100.00 was the payment that we could not afford and fell behind on. As you can see, did used the payment by $12.00 and considered it affordable. That is insensitive and cruel and a joke especially after waiting for more than a year and going back and forth with them. If the household income was what they say was, there was no reason for us to fall behind on the mortgage.. We fell behind because he was unaffordable. Our household income consist of $400.00 of my payroll income and for the $4500.00 contribution from my son. Based on that, the household income is $4900.00. Please help me correct this error and help me get Bank of America to rearview us for the modification. I am also very concerned that Bank of America has been playing a lot of games and not doing things as they are supposed to according to the treasury guidelines in meeting timelines. All the programs are expiring at the and of - and I am very concerned about them not doing this modification and forcing me into a foreclosure. Please help me get this done right.