Mr Cooper was charging us the wrong interest for years and we had to file bankruptcy. When they moved 40, 000 of loan into no interest account and sent us a check that they told us was to repay us for bankruptcy charges we looked into things. What we found was they sent us a check because it was our money. They also sent us modification paperwork for the loan rate and moving the 40, 000. We didn't sign because we were having a lawyer, Dan Mckookey, review. He said there were many errors and referred us to MA attorney. We can't afford to hire a lawyer at this time as we have college payments to worry about but did reach out to Mr Cooper asking them to send us the modification for us to sign since they made the errors and we had the right to review. Now they are charging us higher interest and told us to apply for modification which they will charge us for. I think mr Cooper needs to be investigated as they are robbing people and getting away with it. My husband and I have accepted we will probably never own our home as we are 52 and owe too much. They need to stop being allowed to do this to people. They won't let us log into our account as they say we can't because of bankruptcy, we don't get statements but did for a while and they didn't know why told me to write a letter to research division. Mailed us letter about modification they say which we haven't received so they mailed again and we still haven't received. Please help us with this.