Yes, as I said, you will be dealing with the next business, or maybe even the one after that ...as the charge off accounts are still valid debts until settled in a court of law. The one thing that is for certain is that the new businesses that now own the rights to collect on your loan paid a discount for that "privilege"...so let the negotiations begin. If tehy don't actually take you to court before another entity starts calling it has "likely" been discounted again. If the first debt collector gave up on you, I'm "confident" the second and third will too. Take "comfort" in knowing you weren't even worth taking to court...and be proud of it! :-)
As far as the second part goes we'll see what the "spoils" are worth. I figger Bank of America will still be looking to liquidate their real assets at a tremendous discount just to stave off their bankruptcy. Things will really have to go to shit if teh bondholders are going to assume discounted assets as a "proxy" for the price of BAC stock. It'll take them 3 years to sort out your mortgage for instance. 3 years of free rent. That's "if" you have the guts to screw a banker in the ass like they screwed you. How many payments on your $250K house will it take to buy your next door neighbors $250K house in cash at an 80% discount to the current price. I can tell you when to stop paying on your mortgage. But this spew will need to earn at least $100 first. This info-may-shun is worth waaay more than most of the shit you see here at steemit.