Since I have been with this company it keeps sinking to lower and lower levels and is breaking certain laws. Not only do they call me all hours of the night (well past 9:00 PM) but they are also contacting my neighbors and telling them all my personal in depth information. When I or my ex-husband make payment plans with them they keep call regardless. No matter if I am making the payments on time or not they call. I don't even have to be late on a payment and they are calling harassing me for payment. I have been hung up on repeatedly when just asking to speak with a supervisor and my account manager is so rude he even yells at me. This is not a company I would want to see anyone doing business with. I have contacted the attorney general to get this issue resolved but to this date have not had any satisfaction from this very unprofessional company.

I pay my mortgage every month around the 20th of the month. I call them and pay it over the phone. Every month starting on the day the payment is due, they call my job all day telling whoever answers the phone to tell me to pay them or move out. I have asked them not to call my job because we can't have personal phone calls (unless it is an emergency) but they still call anyway. They have called my home telling my kids to get their stuff out of their house. These peoples are very rude not only the associates but the so called supervisors too. If I tell them that I will be a couple days late they will go as far as to tell you to borrow the money from a friend or relative. My response is youlet me have it and i'll pay you back.

In January of 2008, my husband and I entered into a private contract to purchase the home we are currently living in. We had spent a year paying off all our debt so we could buy a home. We are currently building our credit back up.

The woman we were purchasing the home from has missed or been late with her payments, prompting 21st Mortgage to contact the lot manager where the mobile home is located and myself. On 11-18-2008 21 Mortgage called my home and requested that my husband and I pay the October payment for this woman and in doing so this would show 21st Mortgage that we would be willing and able to assume this womans mortgage. I was very interested in doing this, as I was told we wouldn't have to go through a credit check, just come in and sign some papers, and the loan would be ours. (Kinda fell for it, wishful thinking) I told them I could have a payment for them on the 21st of Nov.

On the 21st of Nov., 9am on the dot they were calling for their payment. I made a payment over the phone. I asked for a receipt to be mailed to me to show proof of the payment. (Still waiting!

Two weeks later another phone call, wanting the Nov. payment. When I tried to explain that we had lot rent due and that I could pay in two weeks, things got ugly. Because I didn't hand over the payment right then and there, he got very snotty with me. I asked for proof in writing for a guarantee that if I made this payment we were going to be assuming this womans loan. He was unwilling to do that. He then told me if I didn't pay he was going to evict us from the home. When I asked for an address to mail a payment he refused to give me one. Long story short, I googled the company and found this site, not to mention their address. This company doesn't care who pays that payment as long as they get their money. After talking to an attny, what this company did is against the law. They are not allowed to discuss anyones loans with anyone other than the persons whos names are on them. Please be aware you do have right against these practices!