Accepted program in 2014 to save my home from foreclosure. They (KYHC) DO NOT advise you that your personal credit will be gone for the next 7-10 years. They (KYHC) make your monthly payments ON TIME to your mortgage co. but some how your mortgage co. considers it a late payment. So as long as KYHC makes payments, (in my case, for 1 year) the payments are still considered late?? I don't understand how a bank (Wells Embargo) considers a mortgage late if they are receiving money on time....or are they..? Along with another bank (B of A) during the same time frame experienced Class Action Lawsuits for extorting money from their customers with overdraft fees, as well as bogus accounts collecting interest on accounts that don't even exist. I closed my personal account with Wells and they (Wells Embargo) kept this account open with $ 02 in it. Here in lies the question(s). Did the Obama administration have an ongoing scam going with the banks? In conclusion, my credit today is destroyed do to this extortion program. and the banks got bailed out with my tax dollars, but I got violated....I usually like a kiss before that....