This company held my mortgage to 11 years, & I am proud to say never once was I late with my payments. March 2008 I had to file bankrupsy but my home was not listed, but was listed as an asscess . March 2009 I notified the mortgage company bankrupsy department at citimortgage that due to slow work I was going to be late with my payment, and was told by the staff that was taking my call "while you are in bankrupsy you are not charged late charges", I was pleased, but to my saddnes with the payoff made June 2009 from the sell of the home I had been charged late fees. read full review »