California | Real Estate Law
Legal Question
Since May my home mortgage company Bank of America N.A. started calling us 3 times a day until we paid them. Keep in mind we always paid within the grace period, except now they start calling us on the 2nd (day after payment due) until we paid it. I asked them to stop calling me so frequently and was told like always they make a note of that in the system. I finally sent a Cease and Desist letter that was delivered on July 19, 2011, and then recieved a letter from them dated July 25,2011 that they had recieved my letter and would now only communicate by mail.
Since my husband lost his job we have missed our August and September payments and they were kind enough to send us a "Notice of Intent to Acceerate" letter. It says if we do not pay our last 2 payments by October 12 that foreclosure proceedings will be initiated at that time.We have gone to them for help (last week) because we want to keep our home. My husband answered all the questions,and we still haven't heard from them. Instead the calls have begun again 3 times a day. What are my rights? Because I feel like we are being punished for doing things the right way.
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