They started the EMC Mod squad and made press rleeases. I was impressed. Now I am not because it's obvious that they are not doing what they said they were going to do.Here's another story: Call the EMC Mod Squad at 877-EMC-MOD1 (877-362-6631)The EMC Mod Squad, EMC Mortgage  Loan Modification team, is dedicated to helping customers prevent foreclosures. The employee Alice treated me as if I was wayyyy past due and sarcastically said Sell the house. Also said they didn't care if I lose the house in the future because they were financially stable. Felt like trash but respected the lady since the company don't have values to train her any better on customer service skills. Last night I felt relief reading similar case in this page and empathize with the feeling.Agree there is no Rip off but there is no need to trash the clients that pays your living. If that is the team that gives you guidance don't want to deal with their repo dept. REFINANCE all of you that have issues, the company has no customer service. My toddler has better matters. Another One! called emc to see if they had any special program options to help lower our monthly payments for a while because we lost a huge income and needed some time to  off debt for like a year or so and they refused to help us in anyway.i was so upset by their lack of customer service after i explained my situation and i have been on time with my payment for over a year and all i was needing was a little help for a short period of time.after talking to someone for an hour and getting no where i asked them what did they want me to do go ahead and foreclose and they said no what we expect you to do is sell your home.i can not believe a lending institution would have so little disregaurd for someones financial situation when all i want to do is keep my home i have lived in for 12 years instead of selling it or giving it back to emc.they should be required to offer programs for people who have a unexpected situation come up.wishing i never would have gotten a mortgage with such a horrible and unfeeling company very very disappointed.Amysweet home, OregonU.S.A.

24.Morph,Re: mortageI am of like mind.  I play the rogtmage scene simply as a game.  For you its real business.   My thoughts.1.  Short term it looks like interest rates are >4% again.  Pennies in the real scheme of things.  When Greece defaults we could see 3.75 again.  Remember Japan has been playing the QE game for 20 years.  Their 30 year rates are 2 and change.  No one wants to borrow though.  Pushing on a string.Im locked in a 30 at 4.62.   I've decided to opt out of the game.   Im starting to pay the b_tch off. The hyperinflationary scenario will not allow me to pay it off entirely.  Just enough to make my payments work for me.Mobile tabgible assets are the only thing that is safe long term.  My 2 cents.Good luck