I am trying to get a loan modification from this company. I have been paying through the nose $2500/month (ARM) about to come due in April, and need a drop in my interest rate, because this is absolutely highway robbery...I have since lost my job due to the everloving ecomomy and am living off of my savings...You can't get anyone even to talk to in this company that has an ounce of brains...They are ignorant and rude, and belittling...I don't want to deal with any of these reps anymore. Just let them try and come after me...I don't even know who owns the title on this mortgage, because Equifirst also has been shut down... What a crime... A class action law suit should definitely be brought against this company. I have paid enough, in both money and stress...