My husband recently passed away. They immediatley sent my mortgage to their collection agency even though I have been keeping up with the payments. I was told the lost mitigation dept. could help me lower my mortgage payment. I filled out the application and faxed it in twice. They keep telling me I left out two document. Which I did not leave out. Why would I have to deal with a colection agency anyway as long as I keep up my loan payments? I am going to find another agency for my loan and transfer it befor Dovenmuhle makes me have a breakdown.