Due to fininancial hardship i had filed modification a year ago. with many attempts and phone calls i did not get any help but instead they have increase my monthy payment instead of reducing. the monthly increase are include property tax and insurance. I had informed the bank that i will paid the property tax direct to L.A County tax and I also purchased home insurance. They have send me letters said that my account is default but I paid my monthly mortage payment on time. ( had never missed a payment ) i have also paid the 1st... read full review »