[Carrie K]

...lender and save myself from foreclosure? We own a 2005 manufactured home purchased new from Clayton Homes and financed through Vanderbilt mortgage company. In 2005 we accepted an interest rate of 9.75% due to a slow credit problem. With the current economic slowdown, we are consistently 1 month delinquent and to make our anxiety worse, Vanderbilt sends a local representative to our home once a week to harass us . The man has spoken to my son and others in our absence. We are in communication with Vanderbilt, however they lie and write notes that there is no communication from us. Please advise us how to lower our interest rate with very poor credit and stop the wolves from coming to our house because the anxiety this is causing is fraying my nerves considerably. I shake at the sound of a car in the driveway now.