NASHVILLE, TENNESSEE -- I too had a similar problem with First Franklin Loan Services. Unlike the previous couple My problem is all my ducks got out of line which was partly my fault. However, they too sent one of my certified checks back to me which threw the loan into foreclosure. Now, after paying all the phony fees to straighten my mess out. It seems they did not apply any of it to my escrow account. so now my house payment is going up about 75.00 a month. I am going to sell the house. I would rather live in an apartment than to deal with these jerks for the next 40 years. at least as a tenant your business is appreciated. And they will work with you if an unforeseen event happens. I don't wish bad fortune on anyone, but this company needs to sink. These type of charlatans are what keeps the common person down.
All I know is I can't wait to sell my house and never have to deal with them again. Sad part is my friend who is a mortgage broker referred me to this company. Makes you wonder about your friends.