In XX/XX/XXXX I borrowed {$50000.00} against my home which at that time was paid off. I borrowed from XXXX company who sold it to another and so on and at this time it is now with Bank of America. Even though I do n't make my payment to BOA, I pay my mortgage to a company called XXXX. In XX/XX/XXXX I got jammed up and got behind on my payment. When I finally got things squared away I called BOA and tried to resolve the problem. I told them that I would pay them {$1000.00} over my mortgage per month til it was caught up. The people that I spoke with said they could n't do that and that I had to pay it all to them at once. After that I started speaking with XXXX about the Obama Home retention program. At that time I did not have an attorney. They came up with a modified mortgage that was somewhere around {$450.00} per month and I had to pay that amount for 3 months and that was the my permanent mortgage payment. After I paid about XXXX or XXXX payments they sent me a letter and said that I did not qualify. To make a long story short I retained an attorney named XXXX XXXX from the XXXX foreclosure prevention project. After a long time we ended up in court and the judge awarded me somewhere around {$16000.00}. That was about 2 years ago. I About 2 years ago I was sending XXXX payments and they would send the checks back, saying it was n't enough. I think I have had about XXXX different modifications & gt ; what I am writing to you about is that I checked my credit the other day and I have XXXX hits against my credit and XXXX of them are from XXXX. When this whole XXXX started my credit was not that great but it was atleast close to XXXX or XXXX. As I said my lawyer and myself have been going back and forth with them for a couple years now. But they have all these hits agains my credit for either late payments or non payments. How can they put negative remarks on my credit when they will not even accept my payments??? 
