I was such a fool Im 74 years old and jumped at the chance to lower my mortage payments from 1356 to 650. I have never been late at my mortage company before (CITA) BUT i PAID 3600 IN Three months time now I cant get ahold of the people at Remedy Law group If I do they say they will call me back. Im very afraid because CITA have started forcloser and I dont know what to do. They did tell me there Lawers will handle this but I havent heard from either the one I talked to or a lawer. I had to send my 2011 and 2012 tax reports thry now know my hsband and mine SS number. To pay the 3600 I sent three checks two for 1300 and one for 900.Carol Cocoa Florida 32922