BOA SUCKS—there is no doubt.
However as the Bible says, ‘The borrower is slave to the lender’. Proverbs 22;7 -—therefore IMO she should find another way to renegotiate her rate, pay off the debt and then let BOA know they will never receive her business again. Plus she should never go back in debt and live in freedom rather than bitterness. Screw the BOA that way!
...or just file a bankruptcy, keep her house, keep her personal stuff, vehicle, and lose the credit cards. (remember bankruptcy law appears in the constitution in the body and BEFORE the bill of rights)
Either way the issue is not about standing in the front of the temple like the pharasy proclaiming the ability to walk on water, the issue here was a frustration of a CUSTOMER with a bank that would not negotiate and/or raised interest to .01% below usery laws and then dropped the credit cap.
Limiting credit is the country club’s way of limiting membership.
If you see the third video, she negotiated with the VP from BofA for 12.99% (still too high in my opinion), they agreed, and BofA sent a confirming email indicating 20.99%.