Help Me Save My Home Please

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Not sure if this will work, but my husband and I had a rough 2013 and 2014 doesn't look any better. Bank Of America will not work with us to help us lower our mortgage. We had unexpected expenses and now we are having a hard time getting caught back up. If you can help, thats great, if not we understand. Thanks!
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    Tammy Whitby Hubbard
    Organizer
    Preston, MD

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