I'm now out from under Wilshire's thumb. They screwed with me for 9 years.
I was actually in a mental hospital having a breakdown due to financial stress and when they started sending forclosure notices. That gave me some time to get some help. Then they sent the forbearence agreement. I called and explained I couldn't fill out the financial information and I couldn't afford to pay any more than I was.
They asked me to try, I said I would. Three months later they would send another. This continued for over two years. I finally sold the house.
They never did get me to sign that forbearence agreement.
After the closing they sent me a check for money they had been holding in some account I never understood.