In response to the employees comment to my original post. 21st Mortgage has never to this date called me to discuss the infractions they have made regarding my account. They have called my neighbors and my sons father in law that we have proof of and there would be no reason for them to contact either one of them regarding my whereabouts or my account. So don't tell me that 21st Mortgage will be contacting me. They called today only to find out if i had received the paperwork I have requested. I did not speak to them as I was not at home but they did call and leave a message.