I received a letter From Bank of AMerica XX/XX/XXXX that my heloc on my condo rental property was going to reset on XX/XX/XXXX. I called immediately to discuss my options. I am currently paying interest only and now they want to convert to a regular mortgage at {$700.00} more a month then I am currently paying. I am unable to pay this so I asked for a modification. I was told it was too soon to start the process. I kept calling and XX/XX/XXXX I was told that I could not do anything more than XXXX days in advance. I waited the XXXX days and called back to start the process. I am upside down between the value of the property and the XXXX mortgage and the equity loan. I was told I would have to apply for a regular mortgage and get a denial letter. I went to XXXX mortgage brokers and was told there are no programs for me and they would not issue a denial letter. I had Bank of America mortgage dept talk to the Bank of America modification department and they told my cust serv rep XXXX XXXX that it was nonsense and they would send them the denial letter. When I called back they told me they had no record of speaking to their own mortgage department.. I repeatedly had issue with this customer service rep. I asked for a supervisor and was told I could n't speak to one. I asked for a different rep and was told I could n't have one. I kept calling back to check on the status and I was told each phone call that some item was missing. I asked them to tell me everything they need and I would send it to them. I finally had to write a letter explaining that all my troubles and that I wanted this XXXX XXXX removed from my account. I received a call from someone else and they told me they wanted more information. I finally got to the bottom of this and they said they had all the info they needed and my information was in underwriting. That was XX/XX/XXXX. It took from XX/XX/XXXX to XX/XX/XXXX to get this far. I have called back twice to check on the status and was told they are still reviewing it. It is supposed to reset on XX/XX/XXXX. I am out of time. I do not want to have to default on this loan to get someone to help me. I was hit 3 months ago with a {$8500.00} assessment that also has to be paid. I do n't know what else to do. At this point if I can not get any modification or answers I will have no choice but to default. 
