I now understand how people lose their houses, I have been off work, due to an injury, since Oct 14, and fell behind on mortgage payments, I have been trying to call them to make arrangements, they set up these phone appts, and don't tell you they have a 2 hour window to call, Well I had an appt. at 10am to make arrangements to fix this problem, while waiting, my short term disability guy called me and right about the time, I was wrapping things up with him, the lady from the mortgage company called, I didn't get off the phone fast enough before she hung up, I called right back, and I mean right back.....I was told I had to make another appt. ARE YOU FRICKING KIDDING, as the person I am, I started getting angry and started to cry. I don't understand how in 3 seconds they are too busy to take your call. I just want to fix this. I don't want any hand outs either, just a forbearance, which just tack those payments to the end of my loan. They say they don't want your house, but yet they make it extremely impossible to fix it. Sorry I just had to get this off my chest.