Nationstar refinanced my home over a year ago, and because I had filed bankruptcy a year before and my credit was bad, they wanted to use my daughter's credit and put her on the mortgage alone. I had been laid off before, and could not find another job making the same income. My income was about half of what I made before, and all my bills got behind They asked my daughter to ask her employer to give her a phoney check that was twice her income in a week, to use for the refinancing. They quoted me $1030 for the mortage payment, and then jacked it up to $1457 at the time of closing. Now I am listed as a non-contributing spouse. I tried refinancing with them because the mortgage payments are too high for me to handle. I fell behind back in July 2007 because during the Summer I did not receive enough income to pay the mortgage. I called ahead of time and was told by the manager to just continue to pay the next mortgage payment on time and continue on wth the next month to keep it from being 30 days late. Despite it was hard to continue paying the high payment of $1457 a month, and I am suffering because of it, I managed to keep paying. They offfered to refinance, I paid $350 for an appraisal, that was money needed to help pay the mortgage payment, but then they backed out, and I could not pay the payment needed for that month. So I got behind. They refused to modify the loan for me, and I am stuck with a mortgage I cannot afford. Nationstar does not care about any situation that you are in. You are not treated like a human, just another number to collect their payment from, no matter what the circumstances are.