Provident Funding associates Provident Funding non existence customer service, no refinance help, no modification, Internet

I tried modification with Provident funding because I cannot refinance my home as it is underwater and I just recently lost my job as well. Both times I filed modification with them, I got the same generic response : denied because "not in imminent danger of default". Should I stop payment and let them know that I am at default before they even start to look at my files seriously? If I do this, they may never modify my loan and I may end up owing more in terms of fees and bad credits. I have never heard a success story of modification with Provident funding. Reading all the complaints, it seems like they do not care if you are at default. They will not help you and they will try and collect as much money as possible from you with late fees, deliquent fees, etc. They do not care if you go to foreclosure or short sale. I have heard (which maybe rumors ) that they are backed up by an insurance just in case of default or forecluosure, so the customers going the foreclosure route will not be helped as they are going to get their money no matter what.

My parent company is freedie mac which was helped by tax payer's money and now the taxpayers are just shovelled off to a ditch, just left to rot. I am beginning to feel that corporate america is one big scam and Uncle Sam either closes Its eyes on them or is with them. Why else would they not help out the commom american in any ways? But go and spend trillions of our money to bail out their lame a*s company? I paid 2500 to a mortage company to buy a modification package, and they took my money and just ran off and are now out of business. This is what I am talking about when I say Corporate america. They are on the shady side and are just for your money. It seems like " I paid a thief to catch a thief' ( ---> quote from merchant of venice by Shakespeare) and there is no relief in sight. Uncle Sam (Obama) has a new refinance help for us that they outlined, but it seems like most of these modification companies, most notably, Provident Funding do not participate in any one of Uncle Sam's Plans that helps out the common man. So, where do we stand ? Who do we turn for help? Are we left to rot in times of troubles? When we are doing good, uncle sam squeezes every cent from us in the name of tax, but when we are in trouble, Uncle Sam seems to turn its back at us and blow a big ugly fart!!

Any suggestions would be really appreciated from the other fellow Americans here that have gone through the same type of difficult scenarios. BTW< I am going to post this everywhere possible just to let people know what a big web of deceit Provident Funding is.