I was off work for a back surgery for many months, was only getting 80% of my income, but I still made all my payments on time. I then went to work for a company who fired me because I was sick, and they didn't want to have to pay out disability. At this time, I had NO income, so I missed 2 payments. They contacted me, and I agreed to a loan modification. I had gotten another job a few months later. I made all the requested payments ontime, and sent in my pay stubs and monthly bills as they required. I got a call last night that... read full review »