It was all about BoA and what they wanted. In the end, i still have my home and they will have to accept my payments through the courts. so, they lost out.Many people mistakenly assume that the servicer has an unlimited ability to change the terms of the mortgage. This simply is not true. There is a limit to how many times a mortgage can be modified, as well as a limit to how much or how little of your income they can use for a mortgage payment, a maximum amount they can reduce the interest, a limit to how long the term can be extended and so on.
Seeking legal counsel (which you obviously did) would have been what NACA would have advised at that point. We truly regret that we were not able to do more for you.