DOER ALERT -- Bank of America Disables a Disabled Vet

``So, in 2007, he tried to refinance his 9.3% ARM... but wouldn't you know it... he had thought there was a one-year pre-payment penalty, but come to find out there was a two-year pre-payment penalty, which meant the loan would cost $13,000 to pay off early. He decided to wait until the following year, which probably wouldn't have been a big deal if the following year had been any year but... 2008.''