I have been dealing with LoanCare Servicing since October 2009, just about 7 months. I have a Balloon Modification that was due Oct. 2010. They never contacted me I contacted them! They were surprized that I didn't recieve any paper work and they said they would get right on it. Well it is now April and I still have not recieved my Ballon Modification and nobody gets back with me. I call them all the time and spend countless time on the phone being put on hold. I really don't know where to turn so I called channel 7 Ruth to the rescue and she has not gotten back to me yet, another phone call to her. So if you can avoid doing any buisness with LoanCare I recommend that you stay away from them, bad news. My home is all I have in this world and I intend to keep it. I have been putting my house payments in the bank and not sending them in because I don't have a mortgage. I have tried very hard to keep my credit on good standing I sure hope that this doesn't affect it!