My husband and I have twice tried to get a loan modification or "loan retention" for almost 2 years! Each time I've provided the requested paperwork they send us a letter asking for the same thing! And when I contact them I get a different person each time. Someone from India and then a black woman who argued me down about the paperwork and kept asking when they were going to get their payment! We didn't know they were a collection debt company. Being from California and a state employee on 3 day a month furloughs I've tried to explain our situation and had documentation to back it up! They want us to get tired and frustrated so we'd give in and keep making payments that have created an even worse financial hardship than we've ever had. Please help us! I want to contact someone or some organization that I can make a complaint to ASAP!