My husband & I have a mortgage and line of credit with Beneficial. I was working until May of 2007. I had to quit because my husband is disabled and I have to be home with him. In Oct. 2007 I called the local office in Ocala, FL. about reducing my payments. I was told that was handled by the hard ship department. I was also told not to make at least 2 payments because it looked better and I would surely be granted a hardship loan because of my husband's medical condition. I was connected with the department and they took... read full review »