This company doesn't have a single individual who knows how to work with long time customers that have gotten into financial trouble. They don't have a brain in the work out department, no one qualifies, they use they same old standards of yesteryear x 10. They have a simple rule book they follow, if you don't fit into their little frame they can't help you. You are simply stuck on the same old lousy loan. Try talking to the tax department and you are talking to a brick wall named Pam. They are in trouble becuase no one thinks for themselves, has any new ideas. Instead they are in retreat mode and the customers are the enemy.