I live in the State of Georgia and have a Homesav

Your query is not clear to me... Are you facing financial problems in paying the loan? What kind of options are you looking for?

Are you falling back on your payments? Did you have a word with Dyck-Oneal regarding this loan?

They( Dyck - Oneal) have a cease and desist order in Georgia, according to the state they are not allowed to service any loans in Georgia because they are not licensed. Money is tight and I'm not sure what will happen if I stop paying them. I assumed that this loan was wrapped into my Loan Modifaction, which it wasn't.