EMC Mortgage FRAUD Harrassing calls! Collectors at door! ripoff Irving Texas

So in June of 2005 all is well, then I receive a letter from EMC stating I have no insurance on my home- what? It comes out of my account every month! July they say I didnt pay for June, and I owe insurance and penalties, all the while I have proof. Rather than get a late on credit report I pay and figure I will fight it out later.

Now it's January 2006 EMC acutally owes me money but yet bills me for over $4,000 in fees ect, all the customer service (using the term very lightly) state, just pay and "I promise I will take care of it"

Well today I get another letter they want to forclose? What can I do about this? Any help???? I have documents to prove but no one will listen! Do I pay them yet again just to have another COLLECTOR come to my home and state he wants to look at the property that EMC is forcloisng on???? Please help

Nanci
Las Vegas, Nevada
U.S.A.