Mortgage Refinance Laws?

I was in an accident and got behind on my mortgage. I was able to get countrywide to refinance my mortgage and roll my past due amount back into the note. A month after I refinanced I found out that my note was sold to bank of america. My new mortgage payment was suppose to take affect in May. BOA is not recognizing my refinance. They say that it may take up to 3 more months for them to approve the refinance. Now I’m worried that they are going to foreclose on my house. They are taking my payments but not cashing the checks. Is this legal for BOA not to recognize my refinance?

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