I have had what I thought was a morgage on my mobile home for the past 17 years ... a $ XXXX/30 yr morgage with 13.5 interest rate. Recently I learned that it was not a morgage but a regular loan with " Ditech '' formerly Greentree. They took over GreenTree loans earlier this year and it has been an awful experience. I was working with Greetree due to unemployment, when I could not get in touch with them. I finally had someone from ditech call me, harrasing me, referring to me as " baby girl '' telling me I better have somewhere to go cuz I 'm outa there!!! I was beside myself. I tried to explain that I had been working with GreenTree, that they were supposed to move a payment to the back of my loan. He said it did n't matter due to Ditech taking over. He would call and call, when I answered he would say crued things and eventually I stopped answering. I got to scared to call, scared to answer. He goes by the name Mr.MacDonald. This was just some of it. Since XXXX they have refused any payment from me ... saying they were bringing to the next level. In XXXX I paid two months. I 've tried to pay since ... they say now that because it 's past 90 days they can not accept payment ... .because it 's gone to their attorney. It was not 90 days late when they innitially refused payment. 
Help!! I do n't even qualify for a home loan modification, because it 's not a morgage???? I was never told that. I 've always known it to be a morgage. 
