Countrywide Home Loan Company Review

I've had an ARM with Countrywide for three years - I was going to refinance but have since found out the value of my property is less than the balance on my loan.  Now I have to wait until the market perks up again.  In the meantime, I've had a heart attack and understanbably couldn't work for awhile.  I called Countrywide to see if they would defer some payments until I was back on my feet.  I was told NO!  They sent me to the 'Workout' department where I submitted a hardship letter in February 08.  I was told to check back in 30 days.  Almost every week since then I've been told either that they don't have my papers, it's not their job and they'll pass it to a supervisor and during each and every call, was told to call back in a week which I have been doing and getting the same old run around.  One representative even suggested 'downsizing' or selling my home!  It's a small, modest home I share with my special needs daughter.  I cannot possibly relocate.  I've was struggling for awhile, friends helped me out and now that I'm 'almost' back on my feet they're harrassing me for late payments.  I'm doing the best I can - I do usually manage to get the payment in before the end of the month but my May 1st payament wasn't made until June 2nd and they snapped a foreclosure letter out right away.   I'm stuck in their grip at 11%, because I can't even refinance due to the market value of my house.  They've screwed me over and over.   I'm still waiting for the 'workout department' to consider my loan for an interest reduction.  It's now June 19th.  FOUR months since I submitted my documentation and three months since my first call after '30' days.  I still keep calling - they still keep telling me to call in a week.  They're TERRIBLE and just prey on people hoping they'll foreclose.  A very poor company to do business with.  Oh, another thing - one representative gave us her last name and direct phone number.  The next call was directly to her - it rang and rang - I called back to their regular number and yelled at the friggin automated phone response until I got a representative.  Finally  - then when I ask for the rep I was told there was nobody there by that name! She didn't exist!!!