Bank of America holds my mortgage. I inquired about the mortgage modification program on Bank of America's website in October 2009. I heard nothing until January 2010 when I received a FedEx package requesting information. It gave me only a few days to send the information back, and since I didn't have the time to collect the infomation, I decided not to persue it any further. Two weeks later I received another package similar to the first one asking for information. This time I collected the information and FedEx'd it back to... read full review »