I found their advertisement on Facebook and checked their website http://gombanc.com ... their name is MBanc, I have looked it up and there are a lot of MBanc’s out there so I focused on the one with the correct addre...

Make sure there's always time for your body, mind, and the spirit.

Unfortunately, the 4 months delinquency will, in fact, result in Score Factor Code #22, thereby delivering a body blow to the consumer's FICO score.Here's a list of Score Factor Codes.

@Luke TaitI guess the best way to describe it is the governing body for the local government.  

You might also spend some time learning the servicing regulations that apply to all 50 states and to every person or entity that loans money secured by real estate, in the post Dodd/Frank regulatory laden environment.  

If an insurance co. can get away with loopholes to not pay you THEY WILL.I know you are not directly connected to the coast line, but you have a large body of water that feeds to the Atlantic.

The good thing is that you didn't do this "deal" for a client, because you would possibly have another set of (regulatory) eyes on this.

If they provide 4 bath towels per bathroom, you provide 4 full body size bath towels that are nicer than your neighbors (Sams Hotel towels are the best and cheap). 

At least to this regulator.. I

Get an early body Scion XB.