Is there a better way with EMC

EMC is rdiciculous to say the very least. There MOB squad is difficult to get a hold of, they have no extentions, they are degrading and humiliating when they call you. They want you to send money before they send the paperwork, the say they have sent paperwork three times and three times it has not been received. They have even gone so far as to declare our house abandoned, have broken the side door for entry, placed a lock box on the front door without even notifying us. We moved but we are less than a mile away and all our mail has been forwarded. Now, they want us to put a down payment down before they send us forebearance paperwork and they want us to make a mortage payment that will leave us with $248 after all the other bills we have. That's insane.

We have a mortgage with EMC, and have asked them three times now for paper work to re do our mortgage with them. They have always told us that the paperwork was sent, but we have never recieved it. Is there any way we can make them help with the refinance, versus going bankrupt and having to give the house back.

It appraised for $785,000 nine months ago, and we presently owe $600,000 for it. The payment went from $1747 per month to $4400 per month last December.

I have been trying for a year and a half to deal with EMC. Long story short, I paid $2000 to a Loan Modification company. What a joke that is. It was money that I had been putting aside in the hope that EMC would work with me. I had excellant credit, never late on my payments in 7 years. When it adjusted up over my take home I had no choice but to stop making payments. I do not want to lose my home, they apparently don't have enough empty homes that they cannot sell. My home is worth $120,000 less than what I owe on it. The house next door to me has been for sale for almost a year. It went from $225K to $89K and still empty. I don't understand why EMC would not want to work with people to stay in their homes where they would at least get payments on the home instead of ZERO, and cannot sell the homes. Wouldn't it make more sense for them to work out a reasonable loan for people ? where they would have payments made on the home instead of no payments at all for months and months ?