Can anyone who can help us? EMC has tricked us into believing they were going to modify. We've filled out so many papers only to find out they are foreclosing on us tomorrow, Feb. 1, 2011. They held onto the papers knowing the date was approaching. When we called they could not even find our loan documents. They said the lawyer was in control now. We called the lawyer, was told forecloser was on hold; told to call EMC back for loan modification. We did; they said they don't handle it anymore!

My husband hasn't worked in 2 yrs., he has temped as much as there is temp jobs available since no one is hiring. His unemployment has run out, but still we don't qualify for a loan modification from EMC. We've been denied 2x on our own, & even hired someone to help us, all were for nothing. California has one of the highest unemployment rates, my husband applies to all sorts of jobs, and goes to job fairs. And EMC customer service people are so rude, & condescending . They should be nice, my god we're loosing our home, & they're tone is out of line. To top it off next month, both our 1st & 2nd loans will sky rocket. $900 more for the first. My god, I can't even pay what we owe now. They're predators, & they're waiting to take our home. Where are we supposed to live? No one in Texas understands what is happening out here. The house they told me was worth $189, 000 back in 08/10. We owe $364, 000. Our entire neighborhood is either renting or attempting to sell, but no one can.

We been having a problem with MortgageIT and EMC since 2005.We still have the house.But we stop payment because first when we ask for a modification they send us a letter saying we could not get a modifcation.Then they send a letter to our bankruptcy lawyer that they would modify the loan.We gave then all our information we were working with a housing consoler but they wanted noting to do with the housing consoler .They would only talk to my husband and I. We ask if the our tax could be included with the mortgage they said yes then they raised our mortgage.Our was 2403.98. They send us one letter that our mortgage payment would be 3, 922.60 then we got another letter saying that the mortgage payment would be 4, 688.68. So from their on we just stop paying now they send us a letter that our loan is in default 426 days and that our Mortgage payment is in default 34, 959.87 and to make payment by 9/30/2010.Then we got another letter since our loan was to reset on 10/01/2010 that our new mortgage payment is 2, 719.23.It said this payment is based on your current interest rate 8.6500% .I get so many different amounts from them that I don't know which is right.We were on bankruptcy and they still was charging us the late fee.Before they would charge us inspection fee property valuation fee then outstanding advances then money was put in a suspense account . We also had a problem with them because they never gave us our Good faith esimate.I Never really looked at all the papers they gave us .When I started asking question on the Internet in 2005 and in 2007 someone told me to check 3 of the papers one was the good faith estimate, HUD 1 form Truth in lending paper to see if all the amounts were the same on each paper.well to my surprise I did not have the good faith estimate. Then I called them and ask then for that paper and they would not send it we had to write to the Banking Department and to Respa.Then they send a copy. After looking at the 3 papers the numbers were different so I wrote to then again and they said we such have told them in 2005. Then we told them how could we if we did not have the good faith estimate paper and we did not know until someone told us.well anyway it stood like that noting done about it. when we first refinance the mortgage their was lot of problem because we wanted to cancel the loan and none of them would answer us.We wanted to cancel because it was not what they told us it would be. What they did was screw us with this loan.Now they are sending us papers again that if we want a modification if not that they would start foreclosure with out telling us.So we don't know what to do.

After being given the run around for a loan modification (by the way, I too, was told to not pay my mortgage while waiting for the loan modification, and in consequence my credit was ruined. Also, 50 percent of the people told me I qualified for the loan modification and 50 percent did not), I decided after 7 months to short sale my property. After finding a buyer, having all paperwork completed, the title was in the process to fund a few days ago. The deadline for the property to close on Friday Novemember 12th (mind you, it was initially supposed to close on the 15th). Due to the holiday, the money to fund was going to arrive a day late, and my agent requested an extension to Monday morning. The negotiator flat out refused and for no reason is now set to foreclose on my property. Now tell me, what would it have taken for this man to extend the closing to one more day? My agent, the buyer's agent and all people involved in this process do not know why he is refusing. Is he going to get more money from the insurance that covers the company during foreclosure? How is this helping the consumer?? Is it possible that they can get away with this? What rights do I have as a consumer

I have complied in every way and been denied my loan modification. they mailed things to my home knowing full well that I didn't have mail going to my home. i have had a post office box since i had been with them. the service center that is stocked with illegals lost my package for 3 months, after threatening the owner with reporting him to the secret service they found it in 3 days. Parts of course now I find are missing out of the package, this is part of the denial by EMC. F'n Scam artists! rippoff