WAVERLY, Ga. -- Debra Warner is worried about her home and mortgage company.
"I'm not going to lose our home and be bullied by any bank," Warner said.
In 2012 it took her six months to work out a mortgage loan modification with Bank of America.
"We were happy because we were able to keep our home," Warner said.
It was not easy she said; after proving eligibility they had to get through the three month payment trial period successfully.
According to her payment schedule the Warner's paid their mortgage on time, then and now. But in 2013, their mortgage was transferred to Greentree servicing.
"I'm being punished for paying early which I've never been punished for that before," said Warner.
Greentree was still accepting her modified payments.
"They're cashing my checks but now they're telling me it wasn't a valid modification," she said.