This company has put me through hell. Due to the current mortgage and economic crisis I have had issues with making my payments on time. My goal was to keep my house out of foreclosure. My income has been decreased nearly $100, 000 per year. I received a letter from EMC asking for me to call them so they could 'help' me. This is not what I found when I called them. Both people I talked to were rude including the supervisor. I called and spoke to a person who wanted all my financial info to see if they could qualify me for a hardship... read full review »