Last fall I sought assistance from Bank of America regarding mortgage modification.After there represenatives did not allow me to speak with a modification specialist until they insisted I make payment arrangements on my past due account.Which is documented.Then without discussion came the most ludicrous offer of modified terms that sole aim was to place borrower in a note that only sought to lower payments by extending out the term and place a useristic above average intrest rate which inundated and buried the borrower in intrest payments and did not provide a realistic scenario for aggressive principle paydown.If bank of America is calling this assistance to homeowners its is aggregious!! /It is counter productive to long term homeowner preservation.I was told by XXXX I better take it, if you do n't Bank of America will foreclose.i said no and appealed they offered me another modification over the winter that was better but they told mne they would not offer another.i stated I will sign but only in anticipation of my wife receiving social security benefits which she did not. I made one payment and realized this can not be sustained long term.negotiations before and since have been contentious.i am a sole wage earner and a XXXX XXXX ( XXXX ) FOR OVER XXXX YEARS.Standard XXXX XXXX modification modelswork off gross pay .I have a unique payroll situation where I have significant mandatory deductions.For instance 11 % per pay for retirement including hefty health ins premium, union dues, etc.i come home with half my gross pay. XXXX per week net!! .I need a mortgage payment closer to 33 % or {$1000.00} per month including principle, intrest, escrows.I am not about to be constantly harassed by Bank of America.people have saved there homes over lesser circumstances.The modifications and assistance is applied very unevenenly.I am not about to lose my home by a clerks calculations and over a few dollars because of some obscure guidline or loophole..it is well known Bank of Americas 's violations towards homeowners .They continue to perpetrate and apply there unscrupulous bully tactics.i need your assistance in receiving a fair and equitable modification of my mortgage that realistically reflects my ability to pay.I have numerous correspondence on file .Bank of America fights you at every turn.This is not fair.I PLEASE ASSIST 
