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We had to file bankruptcy to keep our home because HSBC would not return our calls or allow us to modify our loan when they finally did to keep out home of 12 years. Only my wife filed for bankruptcy, but my credit is also srewed up as if I filed bankruptcy. We have not been late or missed a payment in the last 18 months, but we still can't get them to report to the credit companies that we are up to date on our mortgage payment. Can't get a warm body on the phone at all, everything is automated. There has to be another way. on top of that they have closed all of there mortgage componies in the state of Virginia.


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