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Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure. In the past I was in constant communication with my bank provider regarding my past due, I told them I was waiting on the status of a program called XXXX that could help me with my mortgage. I also asked in case if I didn't qualify could I also apply for a loan modification, they said I could. I received a letter from bank of America towards the end of XXXX that I was sent to collections. I called right away to ask what was going on or how can I pay my past due and they told me I had to go through that attorney and pay whatever they charged me. It made no sense because in the past, I have always been able to ask or speak how to resolve my outsta