After several attempts to fax, mail, and verbally give them all the required info, my home mod has been an endless attempt to do absolutely nothing but want to default the only thing i have because i am a month behind in my paymt, s and its almost two months due to late fees. Oh my god this really sucks when you work your but off and cannot even get cooperation from these "bailed out financial institutions" to help keep your property...aargg..