It's all a big stall so they can foreclose on you. They never had intent on helping anyone. My husband and I make 80, 000$ less than when we bought the house. Now divorced & single mom, one of us lost our job. They do not care!!! Period!! I am only asking for a reduction of 400$ a month for now.. but no. They would rather give it away at an auction!! Noone should ever use this company!! Now I am a single mom losing her house to the big boys for no reason. Just keep asking for more papers when the auction is Jan 4th!! Thanks EMC!!! read full review »