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Sorry just getting back to you guys, but yes there was a job issue where i changed jobs and my pay got docked because of the transition and then my mother got sick and passed away so i was out for that. But the main thing is that i was put on a repayment plan by my mortgage company and while on the repayment plan my mortgage company still charged me late fees and still reported to my credit report as being late, even though i paid on time according to the payment plan. Which put me futher behind because the late fees where like 35 dollars a piece and the repayment plan lasted almost a year. Is this legal?
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