Bank of America ( BoA ) resumed loan service XXXX/XXXX/15 after having had XXXX ( XXXX ) take it while we were in a Ch. XXXX. We owed for XXXX mortgage when transferred, but were current through XXXX. We have paid both XXXX and XXXX payment at the end of the month, but are current. The XXXX XXXX payment is due tomorrow ; the late fee kicks in on the XXXX. Despite these facts, we received a " Notice of Pre-Foreclosure Options '' today in the mail, which required XXXX signatures. 

We believe that BoA is acting predatorily since we had a loan modification during the XXXX so that the home currently has almost $ 100k equity. We believe the bank is using the technicality of the law to seize our property for pure financial gain, notwithstanding that it has been accepting our late payments and has not been charging us late fees. Additionally, there have been no previous notices. We have received statements, including XXXX for escrow, which states that our payments will increase by approximately $ XXXX/month beginning XXXX/XXXX/15. 
