I also received a letter of intent to accelerate from BOA. I made 1/2 a payment in December and no payment in January 2010, I received the letter in the beginning of January. I'm not too sure what the Hawaii Laws are, but I'm wondering if I will receive a default letter or will it just go directly into foreclosure? I'm awaiting an answer to a loan mod that I did in November. Also wondering if I will still be able to cure the loan after that date that is listed in the letter?
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