HELP!! I will try and keep this short and to the point. First, my mortgage is with Bank of America via Countrywide! They hold my first and second mortgage. The first mortgage is auto withdrawal thus has never been late. The second has been late only a couple of times in the last 8 years. Several months ago I was offered the home modification program thru BOA for the second mortgage which i opted to do. No problem! In November, I received in the mail a returned payment on my second mortgage with no explanation attached. I called and was told "congrats on paying off your mortgage". I told BOA I had not paid it off and was told "well miracles happen". Shortly after that, I received in the mail my original promissory note on my first and second mortgage along with the request for cancellation at the courthouse as well as escrow cks on both mortgages. I once again contacted BOA, three times, and was told the same thing.."your mortgage balance is zero..you own your home". I asked who paid my mortgage off and they said they didn't have that information. I got nowhere with BOA. I then called our parish courthouse, clerk of court. Once again I was told I own my property. I checked my bank account and there had not been anymore auto withdrawals on my first mortgage and since they sent me back my payment on my second mortgage and told me it was paid off, I did not send any further payments. I didn't know what else to do. BOA told me several times both mortgages were paid off, the courthouse told me the same, I checked my credit report with three different companies and they all showed both mortgages were zero balances "paid off by consumer". I checked MERS using my MIN # and it showed "inactive". Well after 2+ months, this week I received several notices to "accelerate" due to no payment. I also received a letter from BOA stating they had made a error and had reinstated my loan and requested I pay all of the past due payments on both loans, which is a large amount to pay all at once. They also said I may be contacted for my signature. Can you give me some advice on what to do so that I am not foreclosed on. Thank you.