[nchicklet]

I have been working with the project hope department since November 2007. I have not been deliquent in the past four months. I sent them letters in November, and then again in January. My representative was changed 3 times. I was on the phone for hours.

I was told they came to a modification agreement with me but were unable to contact me. I have all the records of my cell phone and did not receive any calls from them.

I am now starting the process all over.

I make phone payments and ask them to wave the fee and they always do.