I was going through a divorce and as a single mother of three, I was having a hard time paying my mortgage. A rep called me and asked me my situation. I told him what was happening. He said they could lower my interest rate and add my payments to the end of my loan. Therefore I would not be so far behind. Today almost two years later I received a bill from the IRS stating that I did not include all my income. I am being billed for a cancellation of debt. I have had no debt canceled. Nor was I behind 5000 plus dollars on my loan. If they offer to help beware. You may just get a 2000 dollar bill from the IRS in the future. read full review »