After five months of seeking a mortgage loan modification, Jeffery Feig’s approval package arrived in March. His payment was cut in half.

But two months later, Bank of America called with bad news: The lender changed its mind and wanted him to start paying the larger amount again.

“I couldn’t believe it,” Feig said. “I thought, ‘How is this possible?’ I had gone through so much, jumped through all their hoops.”

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