I think they should have a Class Action Lawsuit filed against them for these deceptive practices, fraudulent practices, and just down right not playing fair!! My Story: In December 2008 I applied for a loan modification. In January 2009 I received a call from Dena Moss a "negotiator" for my modification. She told me to stop making my payments while my account was being modified. She said I would have 1 lave fee and be reported on my credit for 1 late payment. She said my first payment would be April 1, 2009 at a rate of %5.5... read full review »