Several years ago I fell behind in XXXX mortgages : XXXX resulted in foreclosure and the other ended in a " sort of refinance. '' Bank of America had so many hoops to jump through, documents to submit, and questions to answer that I finally had my " new '' mortgage modification payment at a now 8.25 % rate ( which was higher than the original ). I wrote back saying that increasing my rate would increase my payment, and as a consumer I was looking for payment relief in order to get back to financial health. I never heard from them as a result I am paying a mortgage payment {$200.00} higher than previously with a balloon payment in addition. I have made payments on time and am paying more than the payment amount. I just want a reasonable rate with a lower payment. I am XXXX and may not be as solvent in the future. 
