Check your PA Attorney General's website. Bank of America was part of a class action settlement of $25 billion that was settled in APril. As part of the settlement, they have a hotline for borrowers to call who are in trouble with their mortgages, and are required to work out things with these borrowers. The deadline is January 13, 2013, so you need to file a claim before then.
Here is the link: http://www.attorneygeneral.gov/press.aspx?id=6429
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