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  1. Having a successful(or so I thought)PERMANENT MODIFICATION via Bank of America after falling behind from being hit by drunk driver. Contacted BofA, advised to stop making payments in order to qualify for a modification, so I did, 4months later, foreclosure begun. Finally, having to retain legal counsel, and within only a matter of a few months, and a trial payment period of 4 months, I had a permanent loan modification, all arrears forgiven, loan brought current, and at 2.0% for the life of the loan. That was finalized March 2015. So from December 2014 - March 2015 the trial payments were made