First off, i would like to state that i work for a Sub prime mortgage company in the Loss Prevention department. Just to let everyone on this board know, I don't get collections calls everyday or receive threats about foreclosure. Why? Well for starters, I PAY MY BILLS ON-TIME!!! If you have a problem with the Phone fees, then why don't you send your payment on the 1st or before , so it arrives on time. Listen to yourselves. Complaining about a phone fee of 15 dollars!! If 15 dollars is to steep i would suggest sending your payment before due. Then you wont have to call in and argue with a rep about paying $15. Everyone on this board can avoid all these problems if you would just pay on-time. I'm a 24 yr old college grad with 4 credit cards, 07 car, and house payment. All of which are not delq, nor have I ever been called. Yah it's great!! How do i do it?? Well when the bill says due on the 1st, my payment is there on the 1st. Not so hard is it?? Also, everyone complaining about being threatened by their Mortgage company is not telling the full story. They are behind 3 to 4 payments!! Sorry folks... Even in America you have to pay for things you want. Let me ask you this... If you loaned someone 400K to buy a house and they haven't paid you, what would you be doing?? Yup, you would be trying to call or sue someone. If you cant afford it don’t get it... Nobody forced anyone to sign the loan docs... I suggest you read what you are signing next time you refi. Look at every complaint on this board. It's with a company that loans to people with poor credit. Maybe it’s not the companies, but the borrower that are ripping people off... Just to let everyone on this board know, WE DON'T WANT YOUR HOUSE THROUGH FORECLOSURE... Mortgage companies loose between 30-40% of the house value through FC. ALL WE WANT IS FOR EVERYONE TO PAY FOT THEIR HOUSE!! let me add... On-time preferably.