In XXXX or so, Countrywide was our mortgage provider. We started to experience financial trouble due to XXXX medical issues. We had trouble paying the mortgage ; eventually, in XXXX or so, we got a re-modification from Countrywide, lowering our monthly payment to under {$1700.00}. We still had other overwhelming bills, and in XXXX, we filed for Chapter XXXX. Shortly thereafter, our mortgage was transferred to Bank of America [ BoA ]. BoA then raised our mortgage, despite a signed re-mod with Countrywide ; the monthly payments fluctuated fro {$2300.00} to over {$2600.00} with no explanation. BoA did receive monthly payments from the Chapter XXXX Trustee. From XXXX to XXXX, we constantly reached out to BoA for assistance, but they ignored us. They tried to get the bankruptcy thrown out, but they withdrew their petition when our lawyer contacted their lawyers in XXXX as to BoA documenting their charges. Then in late XXXX, when we finished making monthly payments to the CXXXX Trustee, BoA sent us a bill stating we owed $ XXXX. We contacted our CXXXX lawyer, who contacted both BoA and their local lawyers. Within a few months, BoA claimed we owed $ XXXX. BoA refused to respond to our lawyer 's queries ; in addition, our lawyer told us that the local lawyers retained by BoA told him that they could n't get an answer from BoA in regard to fully documenting what we supposedly owed them. Within a couple more months, BoA then stated we owed $ XXXX. They then sold the mortgage to XXXX XXXX XXXX XXXX ; not only did they sell off the mortgage but they also sold off the " penalties. '' We got a bill from XXXX in summer XXXX demanding immediate payment of $ XXXX. 
We did work out a new payment plan with XXXX. Currently, we 're paying {$3200.00}, after paying {$3300.00} for five months. We are still responsible for the fees and penalties which BoA charged us. We argue that those fees and penalties are usury. 
We also believe that because we were in bankruptcy, BoA was never going to recoup the losses they assumed from Countrywide. As such, BoA allegedly ignored the Countrywide re-modification and charged a higher amount which we could never meet because we were on a strict budget with the CXXXX. But not only that, they charged unjustifiable fees and penalties, as evident by their refusal to account for all the charges. And to avoid any responsibility or ramifications for unfair/unreasonable charges, they sold off the mortgage and the " penalties '' to XXXX. Therefore, we would no longer be in a position to challenge BoA any more because they are no longer the mortgage server. Instead, XXXX services the loan, and they purchased what they could argue is a legitimate debt. 
