IN SHORT I HAVE BEEN TRYING TI RENIGOTIATE MY HOME LOAN FOR SIX MONTS EVERY TIME I CALLED I WAS HELPED BY AMINIMUM WAGE OPERATOR WHO WAS ESSENTIALLY CLUELESS. I HIRED AN ATTORNEY. STILL TO THIS DAY I AM 3 WEEKS AWAY FROM MY SALE DATE BEING ANNOUNCED AND SO HELP. THEY JUST DONT CARE. LIKE I DONT CARE ABOUT CHILD MOLESTERS ECTTT THEIR THE SAME MINDSET. THEIR IN FOR A BIG SURPRISE WHEN THE GOVT MANDATES THAT THEY DO MIDIFICATIONS. AND BANKRUPTCY LAWS CHANGE. THEIR BETTER OFF DOING IT VOLUNTARALLY NOW, THAN WAIT TILL THE GOV TELLS THEM... read full review »