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I'll try to say it again and hope you understand it's not insurance. They take your payment and don't apply it to the loan - criminally. Then they lie to you that they'll fix it until it's foreclosed. Then nobody believes some old guy yelling in court.

---How can one make payments and not have proof of having made the payments?????---

Sorry, I'm still not being clear. You have proof. You call the company. You fax in the proof. They say the manager is on the case and will fix it. So you wait, calling every now and then but the scenario repeats. While you're waiting, foreclosure time comes. The sheriff comes and forces you out. The sheriff doesn't care about your proof - he has a legal order to evict you. If you sue later they have many high powered lawyers waiting.

Bear in mind this wouldn't work on you and it didn't work on me. It works on some of the elderly. It has a 50% chance to work on widows because if the man took care of the finances the widow doesn't understand. Same with orphans who inherit a house. They go for the low-hanging fruit. If a fighter comes along they just give in and say "oh, it was just a mistake."

They target people with low incomes because there's a good chance of getting someone with little education.

I understand - it's hard to believe. But they are doing it even now.