This company had foreclosed on my house not even 60 days past due. When trying to make payment by phone or contact them, I could not. They foreclosed on my property requesting $7,000 to rectify. This payment was made on 11/28/06. In December, 2006 a letter was sent to me indicating that my payment due on 1/1/07 was past due by one payment. I had not received notice since my 11/28/06 payment when payments would begin let alone fall behind by one payment again. I am having problems with homeowner's insurance through them, as well as harassing calls. I have just now received a letter indicating they are going to proceed with foreclosure again. I wanted to refinance to lose them as the holder of my mortgage but am unable as now my credit is blemished.