They lied all the way and as often as they could. ALL THEY WANT TO DO FORECLOSE!! The company never said they received any correspondence. NEVER EVER OFFERED ANY REPAYMENT PLAN. ALL they did is make me file chapter 13 bankruptcy. Now they can wait 5 years for their money.I HOPE every one that had every thing to do with trying.TO TAKE MY HOME AWAY. TO BAD IT DIDNT WORK. DIES A TERRIBLE DEATH. *** User's recommendation: GET A LAWYER.