Question on New Law.......................

How does the new law that went into effect on November 1st,2012 that if you can no longer afford your home due to illness in the home.  It is my understanding that you can turn the keys and title over to bank of America due to illness. Since the person that lived in the home can long live there by themselve and have to live in assitant living.  I know the loan is a Freddie Mac backed loan with Bank of America.  Can you tell me who we would call and how the new law works?

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