EMC Mortgage Corporation / Terrible everything
This company has put me through hell. Due to the current mortgage and economic crisis I have had issues with making my payments on time. My goal was to keep my house out of foreclosure. My income has been decreased nearly $100, 000 per year. I received a letter from EMC asking for me to call them so they could 'help' me. This is not what I found when I called them. Both people I talked to were rude including the supervisor. I called and spoke to a person who wanted all my financial info to see if they could qualify me for a hardship program. After reviewing my information she told me 'you are beyond help' and 'you should consider getting rid of your car or getting rid of your house' She then went on to comment on the amount of my car payment and said 'well if you weren't paying XXX a month for your car maybe you could pay your house payment and maybe if you didn't have all that credit card debt then you could make your house payment' I explained to her that I'm used to making a significant amount of money and this financial hardship isn't due to lack of responsibility. I've always been able to pay my mortgage and my bills consistently for the last 4 years. I also pointed out that I've always made my payments on time up until this happened and she didn't care about that. She suggested that I consider putting my house up for sale and do a short sale. Wait, I'm trying to keep my home here and keep making my payments and be responsible. Based on my situation I was trying to explore my options to see if I would qualify as the letter had suggested for some help to get me on track again. She was extremely rude and I asked to talk to her supervisor. In a nut shell, the supervisor told me 'you're so far gone you need to sell your house.' I said 'I'm trying to save my house, pay you and not have this home foreclosed on.' My frustration was mounting and he proceeded to tell me that I was 'taking out my frustration on him and that I was made at him for not helping me' That wasn't the case at all. I was upset with how rude and unwilling to help these 2 people were. They also treated me as if I was a low life person who doesn't pay their bills because I'm out spending money somewhere else. The supervisor ended up hanging up on me.
Bottom line, EMC is a terrible company and if you're looking for good customer service or for their representatives to be curious think again because it won't happen. I'm surprised this company is still in business given the way they treat their customers. That call was very hard for me to make. I've not been in this position and to be treated that way was very demeaning.