CHARLOTTE, N.C. -- Elouise Ratliff and her son drove more than two hours to Charlotte Tuesday, praying the whole way that something could be done to save her home in Raeford from foreclosure.
"I was praying. I was thanking God. I was thanking him before it happened," she said.
Ratliff is one of several people who streamed into the Charlotte Convention Center to attend a Bank of America Homeowner Assistance program, aimed at seeing if there was something that could be done to help those who are having trouble paying their mortgages.
As he headed inside with a stack of papers, Mauricio Denozo said, "I have hope, definitely, because we need some help."
Credit Councilor Katie Porter, who was working with the customers coming in, said, "People are in a financial situation where they are stressed, in most cases, beyond belief. They just want to know there is an option."
The bank said it has helped some 164,000 customers across the country.
"We have some people coming in looking for a loan modification. There are some people who just say, 'You know, I just need a little more time.' So we can work with them on a special forbearance program," said Tamika Eubanks, Senior Vice President.
In the case of Ken Toller, the foreclosure clock is ticking down.
"Let me just put it this way," Toller said. "If I get any closer they are going to have to pay me to move out."
There will be some for whom there is no hope. Not so in the case of Ratliff, who was given a loan modification that means as much to her son as it does to her. James Ratliff said he and other family members were helping her pay the mortgage.
"It is a burden off of us kids," he said as he led his mother to their car for the long ride back to their home in Raeford.
Asked how she felt after meeting with the bank, Elouise said, "I feel good."
The Bank of America program will continue at the Civic Center through Thursday. It is for Bank of America customers only and they are asked to first register online by going to www.bankofamerica.com/homeownerevent or by calling 1-855-201-7426.