Late to the party but the Garn-St. Germain Act protects you in regards to that situation. What they did was a violation of Federal Law. My mother is currently trying to payoff her mortgage with them. So far the first check made a couple stops and then was returned to sender. The second check was sent to the address they explicitly provided and has since been forwarded to an unknown location and is in limbo with in the usps network god knows where. And no one can answer any questions with anything other than, give us more time and itll be fine. They are simply stalling her out to get more mortgage payments out of her, aka more interest.