I am writing this letter of complaint in the sincere hopes that I can receive justice and closure due to the stressful and unpleasant ordeal I and my family have faced, of recent. The issues I speak to surround the company United Home Mortgage and specifically the branch Vice President, David Chambless, audit # MBO655436. The specific location and number of his branch is at 12323 SW 55th St. Suite 1002B, Cooper City, Fl 33330, 954-237-0125. To make a long, complicated story short, the main problems surround: 1. a breached agreement for a lower mortgage payment made between myself and wife (Tera) and the aforementioned David Chambless. 2. the physical threats made by Mr. Chambless (toward myself) upon our not agreeing to the terms/payment he presented at our house closing on November 6th, 2006. A feeling of helplessness has plagued myself and my family as we are now in a struggle to pay a mortgage we can not afford! This is a time which should be celebrated and enjoyed, instead there is fear and intimidation. Can someone help us, please?