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I have the opinion that pixichic and emorgan26 may be one and the same. If I am wrong, then there is likely some collusion between the two. And if there is collusion, we will likely never know the cause/answer.

Now I AM NOT SURE ABOUT THIS!!!!

Did you by any chance know at the time that your ex was signing your name, and go along with it? I can't imagine why one would do that, but......

When I started asking questions about the hud mortgagee papers and their practice of reviewing hardship papers for 3 months that's when they got nasty, told me I didn't know what I was talking about and that they were managers. They truthfully told me that. I repeated to hud lady but no comment.

congrats now get the fee waived and the 25,000 bonus points...........