I started the same thing with CitiMortgage back in April 2009. I actually thought they cared, because I too was one of those that cared about her credit. I had lost my husband of 20 years to cancer and was left raising 4 sons on my own, with two being in college. I called Citi and was told they couldn't help me because I was current on my payments and had never missed one. So I fell hook line and sinker when they told me, we could help IF we put you on a Forebearance Plan for 3 months at a 20% reduction in my monthly payment and change... read full review »