We are at least $25,000 underwater at the present time. I am on workers\’ comp since 5/29/2011, have had 2 surgeries. We are in the federally delcared disaster area from TS Debby. We have roof damage and interior ceiling damage to home. Contacted lender to notify them, and ask about getting on HARP and they don\’t do that. We currently are on their interest deduction plan since March, due to expire on 8/20/2012. We need to make repairs to home, but they seem completely unconcerned with this. We also have an unsecured loan with them that is past due, but mortage is current. Afraid they will not extend the rate reduction..I don\’t even know what interest rate we are paying currently.

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I retained counsel in Pennsylvania to persure the preditory lending as my mother had obtained these loans between Jan. 1998 to Jan. 1999 and died on 9th June 1999. She was legally blind, denied repayment Insurance, denied her right to cancel and taking into account a representitive came to her home [ I was her primary care giver from Feb. 1992 to the time of death]. Although counsel was retained, her failed in the objectives in persuing \”Predatory Lending Practices\” thad my mother who was dying sign into a loan that she was unable to afford due to the variance in the debt to income ratio, inconsistancies in the intrests applied, and the refusal of loan repayment insurance given the lendee was 65 years of age at time of death, had a monthly income of $642.00 on a $50,000.00 / fifty thousand dollar loan resulting harrassment that was unrelenting while my mother was on Hospice care & Ultimate untimely death. I wound up selling the my Mother & Father\’s home against my will for %94k as it\’s present value is assessed for over 180k. When these [two (2) loans were written - the 1st was a personal credit, consolodated with an equity/ Morgage with a debt to income ratio of approximately negative 400%. My Late Mother\'s contact information: Veronica Elaine Korbel, Maiden name: Fogarty, D.O.B: 06-18-1933 D.O.D. 06-09-1999 Property: 106 Welcome Avenue, Norwood, PA 19074 [June 1999 Telephone 610-586-7208]Additional questions can be directed via email emmittdatsme@gmail.com or via telephone: 215-906-0258. Thank you. Emmitt M. Korbel

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Was threaten with foreclosure serveral years ago, has liquidated all of 401K to them from taken our house. Despite our effort to find a permanent loan modication resolution. As I am a disable vets,I do want a hands out, just chance to lower the interest rates. During our hardship, HFC keep tacking fees and penalties and labled it as defered interest in the amount of over 10K. Each time we kake a good faith payments less the mortgage amount, it would going to the black hole called un applied funds, this is fees and penalties would be asset until the fuul of mortgage payments. Out of the $1493.29 monthly payments, 1293.50 would be in interest and the rest are applied to principle. our home now worthless than when HFC appraised at 200K in 2006. All I ask HFC to grant me a permanent loan mods and lower the interest rates. For the record, we are not a dead beats, we just want be able pursue the American Dreams, I\’ve serverd faithfully 21 years to my beloved country and have lived in this home for 23 years, I do not want see it taken away. The bottom line is that I want to some behind for my spouse and my childrens, with a services connected disabilities and my days are numbered. I do not want sympathy or pitty just a chance to our homesand repay debt obligations.

Thank you,

Semper Fi

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I got behind on payment\’s due to rough times. They kept calling me all day long, finnally I called them and asked if they can help me. They said that they could put me on a hardship program for around ten months and lower my payment to help me and me being desperate I agreed so I could get caught up with my mortgage. I paid all of my payments on time and some extra. Now I finally built my credit back up and got a good job I tried to get a lower rate with them and they told me that they don\’t do loans anymore. I contacted New Penn Financial and tried to get a loan and found out that I owe $10,000 more than what the pay off is because of deferred interst. I reseached HFC Financial on Google on HFC Deferred Interest Scams and you should see all the bad things they have did. I don\’t think it is fair.

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changed amount for 08/11 mid-month. went from 1200 to 1900. made payment now delinquent. credit report already shows 30 days late. no consistency between written statements ($1200 per month) and online (1900 per month)

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dont want to talk to me and they wont talk to me tell there is nothing they can do

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HFC does \”private label\” mortgage loans, securitizes them, but keeps all the docs to pretend it is an old fashioned mortgage loan.

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They are in the process of forclosing we have been working with and paying Afs and they really have done nothing. I lost my job back in Febuary and took a pay cut and with the price of everything riseing we fell behind in payments, husband has not had a raise or cola for several years now. Our tax assesment say our home has dropped in value from 187,000 to 140,000. We filed a chapter 13 bankruptcy back in 2008 due to my wife being diagnoised with MS and alot of credit card debt, we have stayed current with these pymts. Our mortgage co. said they did not receive a pymt from us in 2010 which was not true. We have not got a mortgage statement for 2 years now.

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Fraudelent. Appraisal, told me to miss two payment on my loan modifactiion,lost my previus Promissary Note, can not answer were the new one is, predartory lending

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