http://money.msn.com/home-loans/article.aspx?post=650bd1a1-fa1f-41ce-86b3-6f40cb38a181

Pay attention! dont fall prey of other scams. If you get a letter from Bank of America. Verify the information. You can do that by calling the phone number on your mtge statement. They will be able to verify if you were sent a letter  offering you mtge. reduction.