We got behind on Mortgage due to employment change last January 2008, by February I knew we had to do something it was closing in on February due payment. I called Wells Fargo Home Mortgage and did everything they asked of me, got a hardship letter, explained the whole situation 5 different times, needless to say I was told that on my credit report the Jan. and Feb would be reported late. Well I completed this agreement in March of 2009... I have been getting calls non-stop for other charges that in-cured since this agreement was made... read full review »