We werent in trouble when they called. I told Stephen Zadwydas that my mortgage company was Federally owned, not subject to anyones rules and would'nt modify anything. he called back & said he had called them (USDA Rural Development, another Den of Evil) & that they would modify. They got that money all right, naturally 2 months after the fact the USDA got a whiff of what they were doing & told Julianna Sarmiento that they did NOT modify & never would. (course, they never told me) When i got the transcripts of... read full review »