See, I wasn't going to get into my situation with BofA yet, given that I don't have the all the money to deal with them and I want to just wipe them away in one swoop, the bastards! ooops! sorry!
My situation is similar, and I alluded to it in an earlier thread.
I fell behind on 3 CCs and eventually put them in a DMP and thought everything was going ok. I was able to check the other 2 given that I had online banking with them, and the balances were/are going down drastically (praise God almighty!). I would call BofA to check given that they refused to send me a bill, all those times on the phone with CS and no one said anything, although I did find it strange whenever I called to get the balance they bounce me around. But no, alarm sounded, the balance was/is going down.
Pulled my CR 3 weeks ago, the bloody account is charged off and showing almost all of the balance as past due and every month reporting in the payments section as either KD or CO. So I called them and was like, but I have the proposal from the DMP saying you accepted the terms of the proposal and you would re-age the account. Oh, no Maam we can't reage. Ok, well then why the heck are you reporting a past due when you've been receiving payments every month? Well Maam, the payments aren't enough to cover the interest. It isn't? Well then how in the heck is my balance going down, what kinda math are you guys using? Couldn't answer.
As I said, I'm not quite ready to deal with them, I should be in another 2 months or so. The balance is about $3700 down from about $5900. What do I do? HELP!!!!!