In October of 2010 I needed to create a re-payment plan to get back on track with my mortgage. One was created and after a down payment I was making regular payments that were taking care of the back pay as well as keeping me current. In February of 2011 I was able to make my payment plus an additional amount that left me just shy of making a second payment. I was then told that there were additional funds that were available probably from extra interest from my regular payments that I could use to make up the difference. I was told to call... read full review »