They are absolutely rude, totally unorganized, liars, don't return calls, can't keep track of their paperwork, impossible to work with, have no repect for customers and have no business being in business.
They are a foreign company that have no consideration for Americans. Apparently the public is realizing how bad , shoddy and ill-tempered they are, consequently the big lay-offs.
How do I know? I personally experiencd all these things when trying to discuss a loan modification with them. SHUT THEM DOWN NOW FOR THE GOOD OF THE CONSUMER AND COUNTRY!!!