I received a catastrophic injury to my XXXX, I had XXXX surgery XXXX months ago. My pay benefits from XXXX ran out in XXXX of 2015. I was forced to retire at age XXXX. My monthly income has been severely decreased, and I am barely hanging on to my home. I reached out to Keep Your Home California ( KYHC ) for help. KYHC found that I am eligible for a principal reduction. I order to get a principal reduction, I must work with my loan servicer, Bank of America. Bank of America is refusing to give me a loan modification thru their Hardest Hit Fund- Principal Reduction Program. My eligibility with KYHC will expire on XXXX XXXX, 2015. I have sent in evidence of my physical condition, doctors verification, pension award letter and more. Bank of America is unwilling to help. Bank of America is insisting that I commit to a short sale, or keep the Balloon ARM mortgages that I have with them. The same type of mortgage that I had with Countrywide. I am current on my mortgage payments for now, however I am not sure how long I can keep up with these payments. My second mortgage will increase next month. I really need help with Bank of America before it is too late. 
