They are of such comfort to distressed homeowners and they really care about their valued customers! And the politeness of the reps, wonderful! Especially mine, since I've let him know that I record all our conversations, he is just so exquisitely polite! I just reached the dear man, after a couple of weeks of phone tagging, and he give me this oh so surprising news that they're turning down my loan mod application, he regrets deeply of course, and he suggests trying for a short sale. This is weeks after he turned me down for a short sale, and suggested applying for a loan mod. I'm showing no signs that this dumb-ass situation might be driving me crazy, except for not knowing what to do with these carefully dated digital recordings . . .