We have also been a victim of EMC's and can relate to everyone's posts. We too were told that to qualify for the Obama plan we would have to fall behind in our payments. We did and filled out all the required paperwork and sent it back via FedEx only to keep getting letters from EMC stating that they were missing this paperwork or that paperwork (which was COMPLETELY untrue) but I kept resending the requested paperwork to them. Then after approximately 18 months of being on the reduced payments, I finally did receive a letter from... read full review »