Emc Mortgage unwillingness to help modify payment amount to avoid foreclosure Irvine texas

Yesterday I also was denied any type of help from EMC. It has been 2 weeks waiting for "modification documents".

Claim to have mailed it. Presented my case as I have read suggestions to be the first to contact your creditor and be honest and work a possible resolution. In my case an increase in child support last year has made dent financially.

Not asking for any favors they claim to help clients on their website forecasting my 4th quarter decided to call to seek help not past due just game planning for last quarter. Their misleading ad below is on their website.

Call the EMC Mod Squad at 877-EMC-MOD1 (877-362-6631)
The EMC Mod Squad, EMC Mortgage Corporation's Loan Modification team, is dedicated to helping customers prevent foreclosures.

The employee Alice treated me as if I was wayyyy past due and sarcastically said Sell the house. Also said they didn't care if I lose the house in the future because they were financially stable.

Felt like trash but respected the lady since the company don't have values to train her any better on customer service skills. Last night I felt relief reading similar case in this page and empathize with the feeling.

Agree there is no Rip off but there is no need to trash the clients that pays your living. If that is the team that gives you guidance don't want to deal with their repo dept. REFINANCE all of you that have issues, the company has no customer service. My toddler has better matters.

Let me state first I am not a mortgage company employee. I own a sandwich shop in an office building.

Where's the ripoff? The company is not asking you to do anything more than what you agreed to, and that is make your payments. You are wanting them to take less money so that you can pay other people. Doesn't make sense. You are in a situation where you can no longer afford your home. Your options are to refinance or sell. Even though you may feel "entitled" to lower payments for a year and obviously have an emotional attachment to your home, reality is that staying in it would be living beyond your means.

Maybe it's time to sell, step back and re-group, and when you are in a better situation, buy a house then. But no one is ripping you off.