Was headed down the road of not being able to afford the house, so I contacted the mortgage company for payment assistance. The rep told me in order to help me I need to not make 3 months of payments then call him back. Otherwise, he was not going to help me. After 3 months, everything fell apart, tried to sell house. Had XXXX offers on the house and BoA rejected all offers and finally on the XXXX offer, wanted to debate the buyer for {$5000.00}. The rep " XXXX '' was stalking me and threaten to come to the house and make me give him the mortgage and call me day and night until a man answered by calls ... 
At the end of one year, I gave the house back to BoA. 3 months later BofA sent me a letter stating the loan was forgiven (??? ), but still gave me a negative mark on credit report. Why? 
