Wilshire Credit Corporation
They inflate your loan over period of time and then tell you your months behind then they will allow a forbarence which is twice as much as your paying for monthly payments
The company I was originally with when I refinanced sold my loan with in 2 or 3 months I was then assigned to Wilshire who I was paying regularly monthly payments I was late on 1 or 2 payments but I paid caught them up. Then in about 4 months after I thought I was caught up they sent me a letter ...