I have my mortgage since we bought our home in 2005. We fell behind because we didn't escrow our taxes, so we a payment arrangement with them and then we could not get caught with the escrow and they wanted a full payment of 7200.00. So i contacted there litigation team (if they even have one) and they told me to write hardship letter and do a financial worksheet. We did this for 5 months in a row and now we are 6 months in behind and now they won't take any money. So I hired a law firm who deal with companies like this.