I have had my loan for almost 14yrs. I have never been late once until I recently was disabled from the military. I have not worked since Nov 07 and my daughter has been paying my house note and all my other bills along with her mortgage payment and her own bills. I was contacted by Lisa at 21st Mortgage about my payment being 4 days late. I explained to her that I had told Brad whom also works at 21st Mortgage that I was disabled and have not received my military nor my SSI disability reward yet. I am currently also on food stamps. I was totally disrespected by Lisa and her so called supervisor. Her supervisor stated Lisa would never be disrespectful. But Lisa was and told me I had no options but to pay on time and was told that did not believe me about having no money. After being talked to like a dog from Lisa, I told her to f off and never call my daughters phone again. Just in Aug 09 my daughter paid 6 months in advance. Up until Feb 2010/ So u would think I could be a little late on this payment. Lisa told me they would also charge me a late fee. so i told them to come foreclose on it if they were not willing to work with me. Since they just took over my loan from Cit as of Feb 09. This company is idiots. They are no longer in business as loan officers. All they are are collectors. 21st Mortgage lost being able to loan money or extend payments. So u know what 21st Mortgage go jump in a lake. Do what u got do while I a veteran of 17 yers of the military will do what I have to do. Bring it on u stupid assholes. I could careless what u do. Because ur not getting my payment until I get the money from somewhere to pay u. U sure as hell didnt mind or be disrespectfull when u got my house payments 6 months in advance. But yet ur going to charge me 50 for being late and yell and try to degrade me. Whatever. I have reported 21st Mortgage to the Better Business Bureau and my congressman for Georgia and will continue reporting 21st mortage for their illegall harrassing calls 24/7 and breaking privacy laws. If you need to contact me 21st Mortgage, u know where I live in Georgia.