A LITTLE HELP IF YOU'RE DISABLED & DEALING W/BANK OF AMERICA: If you're dealing with Bank of America and are disabled and using your disability funds for your loans, you may have had some issues with the way BofA works with this. Now, as a result of a lawsuit and subsequent settlement between BofA and the Justice Department, BofA has settled the DOJ suit without litigation. Accused of violating Fair Housing and Equal Credit Opportunity Acts, BofA was accused of requiring disabled mortgage loan applicants to get letters from their doctors documenting the borrowers' disability income amounts. In some cases the bank was accused of going beyond that by inquiring into the details of the borrowers' medical situations. In addition to paying a total of $125,000 to the three original litigants, the bank will also pay anywhere from $1-5,000 to every other loan applicant found to have been subjected to this process. They are also hiring a special third party administrator to review about 25,000 applications from people with SSDI benefits who may have been affected to help determine eligibility. If you're in this class of borrowers with BofA, good luck and hope this makes it a bit easier for you.