/Lang (EN-US) /P 464 0 R endobj /Type /Page In some cases, we receive a commission from our partners; however, our opinions are our own. /P 13 0 R >> /K 50 81 0 obj endobj >> 12 [null null 225 0 R null null null 226 0 R null null null /Pg 21 0 R /P 546 0 R /Pg 16 0 R /Lang (EN-US) /Pg 16 0 R /Pg 18 0 R /CropBox [0.0 0.0 612.0 792.0] << /Type /Page /Type /Page >> 155 0 obj /P 503 0 R << /P 13 0 R /K 22 They provide 0 value, everything is done via FAX or snail mail. I have hated this company since I was forced with them. 201 0 obj /Pg 31 0 R /K 6 /Pg 26 0 R If your credit isn't great and you're looking for a government-backed loan, Freedom Mortgage is a great choice. Absolute trash of a company. /K 37 /Pg 18 0 R 72 0 obj . /K 19 Many people successfully argue to their mortgage company that insurance proceeds checks to fund a rebuild are money in advance for payment for purposes relating to the property, within the meaning of Code Section 2954.8. >> . /F1 332 0 R << /S /P << endobj /Lang (EN-US) /TT3 335 0 R /Lang (EN-US) null 220 0 R null null null 221 0 R null null null 222 0 R /Tabs /S 272 0 obj >> /Lang (EN-US) /Pg 22 0 R endobj 90 0 obj endobj 275 0 obj /S /LBody /P 13 0 R /K 2 /K [562 0 R 563 0 R 564 0 R] /K [558 0 R 559 0 R 560 0 R 561 0 R] 164 0 obj /Pg 26 0 R >> >> /S /LBody 32 0 obj /Pg 21 0 R The information on this website is for general information purposes only. 297 0 obj >> /Annots [] << stream /S /LBody /K 18 /K 34 Despite having all documentation from my insurance company and my contractor, and the insurance company already sending me a check to complete repairs, NewRez continues to treat me like a criminal with intent to commit fraud. /S /LBody >> >> << /Type /Font endobj /S /LBody endobj << /S /P Newrez also has several affiliates that perform various services in the mortgage and real estate industries. Newrez is here to guide you through the mortgage loan process. /K 4 /Lang (EN-US) >> /K 10 endobj << /S /LBody the answer could be uncomfortable for them, and if so, that is good for you. /K 21 125, Fort Washington, PA 19034. The suit relays that the plaintiff repeatedly disputed the lender-placed insurance charges with the defendant between May and July 2020. /S /LBody /Parent 11 0 R If you have a mortgage, and your home has suffered severe damage or been destroyed, some or all of the payment checks from your insurance company will be made payable jointly to BOTH you and your mortgage company. << << /Lang (EN-US) /TT3 335 0 R /P 13 0 R >> endobj endobj 181 0 obj /Resources << << << /K 18 /Kids [26 0 R 27 0 R 28 0 R 29 0 R 30 0 R] /Pg 34 0 R /Lang (EN-US) /P 466 0 R >> /Lang (EN-US) /S /LBody Rocket Mortgage, for example, services most of the loans it originates, meaning customers who get their mortgage from Rocket Mortgage will likely continue to make payments to and work with that same lender for the life of their loan. /Font << /Annots [] /Lang (EN-US) >> >> << << /Lang (EN-US) /P 540 0 R >> /K 31 << /P 462 0 R When using NewRez for your Mortgage Loan, they will not give you the option to set up auto pay until you have 6 months of on-time MANUAL payments.Because of this, I missed a payment and sent a request to fix my credit. /P 13 0 R 260 0 obj /Lang (EN-US) /K 9 (This argument is in section 10:61 of the treatise titled California Real Estate by Miller & Starr.). 245 0 obj (When they reported it late, my credit dropped over 100 points.I hired a team to talk about and fourth with NewRez and they replied saying they will not remove the late payment from my credit. /K 15 WRAP Resource Center Wildfire Mitigation Help, strategies to get control of the insurance money as soon as possible, Loss Department will not, on its own, refund to you the extra money until you ask for it, or, It is difficult to talk to a live human being at the Loss Department at all, or. endobj endobj << 5 Stars, 3.98 /Lang (EN-US) /Type /Font << 88 0 obj >> By clicking Sign up, you agree to receive marketing emails from Insider /S /LBody /K 42 /Lang (EN-US) /K 6 >> /P 13 0 R >> /Pg 30 0 R /Rotate 0 My bank has advised against giving them an unedited copy and edited my bank statement to show them enough information. /S /P 198 0 obj /S /LBody /S /LBody /Rotate 0 After a year of owning my first home caliber home loans sold my mortgage to this nightmare of a company. /P 465 0 R /S /P 111 0 obj 27 0 obj >> >> /Tabs /S >> /Pg 27 0 R /P 455 0 R /P 422 0 R /K 13 /S /L /Lang (EN-US) So, what do you do? /P 13 0 R 200 0 obj 12 0 obj >> /P 487 0 R endobj << Illinois Consumer Fraud and Deceptive Business Practices Act. endobj /K 32 /P 13 0 R /Lang (EN-US) << << >> Property Insurance. 306 0 obj To register for federal disaster relief, call the FEMA Helpline at 800-621-3362 / TTY 800-462-7585. /Lang (EN-US) endobj /TT2 340 0 R endobj /Resources << /K [319 0 R 43] /P 494 0 R /Pg 33 0 R /Lang (EN-US) /S /LBody << Licensed by the N.J. Department of Banking and Insurance. Mortgage Details: Homeowners insurance is a type of property coverage designed to protect the homeowner, mortgage lender, occupants, and even your family's belongings against a number of unexpected disasters. endobj /TT1 339 0 R /Lang (EN-US) endobj /K 26 endobj I havent gotten a dime of it back.. there are hundreds of better companies than newRez would not recommend them to anyone. /Lang (EN-US) Rather than complying with the demand, the mortgage company elected to pay the interest. We found out they are a collection company as well. /S /LBody /S /LBody endobj /K 21 >> /Font << /Parent 11 0 R /S /LBody /P 538 0 R Treating you well will be good public relations for them, and in this sub-prime crisis environment, they need good PR! 226 0 obj 144 0 obj He had to make an additional monthly payment to avoid a late fee and avoid having a bad tick on his credit. If enough of us do this maybe the BBB and especially the AG might go after them. /Lang (EN-US) /Lang (EN-US) null 70 0 R null null 200 0 R] >> 293 0 obj endobj /S /L << /Lang (EN-US) << >> 58 0 obj endobj 249 0 obj << IMPORTANT NOTE: The information provided below assumes that the reader has standard California mortgage documents. /S /LBody Newrez is owned by Rithm Capital, a real estate investment trust. Phone 1-877-700-4622. /Lang (EN-US) >> /Tabs /S endobj /P 480 0 R << 225 0 obj You will also find out how to get paid interest on proceed funds while they are being held by your lender. A Chicago property owner alleges Shellpoint Mortgage Serving has unilaterally levied charges for force-placed property insurance. /K [528 0 R 529 0 R 530 0 R 531 0 R] /Pg 24 0 R /StructParents 11 << null null null 135 0 R] 251 0 obj /Pg 31 0 R Newrez Mortgage Insurance Department Phone Number | TheWebster Miami Newrez Mortgage Insurance Department Phone Number Frequently Asked Questions - Newrez Call 888-673-5521 today! << >> /P 581 0 R /Parent 11 0 R >> /K [406 0 R 407 0 R 408 0 R 409 0 R 410 0 R 411 0 R 412 0 R 413 0 R 414 0 R 415 0 R /Lang (EN-US) /Lang (EN-US) /K 16 endobj /Pg 30 0 R /S /P /Rotate 0 >> >> /Tabs /S /Lang (EN-US) Newrezs servicing business consists of its performing loan servicing division, NewRez Servicing, and its special servicing division, Shellpoint Mortgage Servicing. NewRez offers home purchase loans, refinance loans, and construction loans on all property types, including primary homes, vacation homes, and investment properties. 13 0 obj 72 0 R 73 0 R 74 0 R 75 0 R 76 0 R 77 0 R 78 0 R 79 0 R 80 0 R 81 0 R /K 29 /S /L 39 0 obj endobj They want me to refinance and I dont have the money for that but if I ever do it surely wont be with them. Newrez partners with LoanCare, LLC for loan servicing. /K 18 << /P 532 0 R 248 0 obj /K 17 157 0 obj endobj Horrible mortgage company. << /MediaBox [0.0 0.0 612.0 792.0] 102 0 obj endobj /K 44 Overall, the defendants' failure to properly describe the plaintiff's "right to reinstate after acceleration" and the "date by which the default may be cured" amounts to a breach of contract, the suit says. /Annots [] Rocket Mortgage is our favorite lender for refinancing and is a good choice for those who want a simple, convenient online borrowing process. Need help or have questions about mortgage options? 113 0 obj /K 47 endobj /K 12 >> /Resources << /K 32 /TT4 334 0 R /S /P 2 [null null 145 0 R null null null 146 0 R null null null /P 13 0 R << The case looks to cover all persons in Illinois who have/had a mortgage loan serviced by Shellpoint for which the company purchased a property insurance policy and charged the costs of the property insurance policy to the individuals mortgage loan while the person had an active property insurance policy on the property within the last three years and through the date of class certification. >> You may not live in Californiaso read your specific documents carefully! /P 412 0 R 237 0 R null null null 238 0 R null null null 239 0 R null /Lang (EN-US) /Pg 26 0 R endobj /Pg 20 0 R >> endobj /Lang (EN-US) /S /LBody /Lang (EN-US) If you originally got your mortgage with a different lender but recently received a notice saying that your loan has been transferred to Newrez, this means that your original lender has sold the loan's servicing rights to Newrez. Customer Service (Consumers) Ditech Financial LLC 800-643-0202 - phone 866-870-9919 - fax www.ditech.com NewRezLLC 800-365-7107 - phone 866-467-1184 - fax www.newrez.com FHA Lender ID Number New Holding / Servicing Mortgagee ID: 22947-00224 NewRez Servicing Mortgagee ID:2557400002 NewRez Sponsored Originator ID:2557400019 VA Sponsor ID Number /P 13 0 R /Lang (EN-US) More than 6 letters snd proof of all the unallocated payments. endobj << /TT0 333 0 R /Annots [] 174 0 obj Newrez wasn't included in J.D. Such interest shall be credited to the borrowers account annually or upon termination of such account, whichever is earlier.. >> << << null 94 0 R 95 0 R 96 0 R null null 264 0 R null null null 112 0 R null null 312 0 R null null null 313 0 R] Also in paragraph 5 from the standard California mortgage, you only agree to generally assign rights to insurance proceeds to the holder of the Note up to the amount of the outstanding loan balance. Indeed, for this reason, some mortgage companies also have a written policy saying the company only holds money up to the amount of the outstanding loan balance. >> /K [479 0 R 480 0 R 481 0 R 482 0 R 483 0 R 484 0 R] endobj Anything to make a dollar. /Pg 17 0 R /TT1 339 0 R /S /P endobj Well, with one week NEWREZ paid both insurance companies again rather when rec'd ins docs from companies that attached invoices rather than go and verify looking at closing statement which showed fully paid. /Pg 25 0 R In addition to your interest rate, you'll also want to pay attention to what fees a lender charges for the service of originating and underwriting your loan. endobj >> /Pg 33 0 R /K 37 /K [23 565 0 R] /K 26 Get in touch with your mortgage company, both by telephone and by mail. /S /LBody >> /Lang (EN-US) /Pg 27 0 R << /Lang (EN-US) /S /P /P 13 0 R /Pg 16 0 R /K 19 /P 498 0 R /Pg 29 0 R << << /P 438 0 R endobj endobj >> << /K 14 /Tabs /S /RoleMap 15 0 R << 154 0 obj endobj 197 0 obj 108 0 obj /Lang (EN-US) Elias is the point person for the loans sub-vertical and works with the editorial team to ensure that all rates and information for personal and student loans are up to date and accurate. /F1 332 0 R /Parent 3 0 R /P 13 0 R Newrez LLC (Newrez) is a leading nationwide mortgage lender and servicer. /Subtype /Type1 /S /LBody << << /Pg 20 0 R >> /Filter /FlateDecode >> /Pg 16 0 R /P 13 0 R endobj endobj Stay in touch. /K 27 /Lang (EN-US) According to the complaint, Shellpoint receives kickbacks from the insurer that issued the insurance policy the company unilaterally bought on behalf of the plaintiff without his knowledge or consent. /K 38 >> /S /P /S /P /S /P 281 0 obj /P 13 0 R /Pg 29 0 R /Lang (EN-US) null 305 0 R null null null 306 0 R null null 110 0 R null /Pg 23 0 R as well as other partner offers and accept our, Non-QM loans for nontraditional borrowers, Flexible credit requirements on its SmartEdge mortgage. >> Message. /CropBox [0.0 0.0 612.0 792.0] /P 404 0 R /S /LBody >> FEDERAL LAW REQUIRES THAT WE ADVISE YOU THAT WE ARE A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. /Pg 28 0 R << /Pg 17 0 R << << /StructParents 16 The following September, Shellpoint, the suit claims, sent the plaintiff a mortgage statement demanding payment of nearly $6,600 to bring the loan current. /Type /Page 255 0 obj << >> 94 0 obj /S /P endobj /TT2 340 0 R /P 13 0 R /Lang (EN-US) RX - Vision - Life, Disability Insurance - 401(k) Plan with company match! Our repairs work is in progress but NewRez is holding the check for my insurance claim of over $100,000. /S /LBody endobj /Lang (EN-US) /K 6 /K 46 /Pg 35 0 R /Count 6 Oct 2013 - Oct 20152 years 1 month. Power's 2022 Mortgage Origination Satisfaction Study. /K 39 Shellpoint has not admitted any wrongdoing by settling the insurance kickback class action lawsuit against them. /P 409 0 R << >> /S /L /Lang (EN-US) /TT0 333 0 R endobj /Lang (EN-US) /S /Sect /P 530 0 R /Subtype /Type1 /Parent 8 0 R 4 0 obj endobj /P 13 0 R Knowledge is power. /K 23 /Pg 26 0 R << endobj 4 [null null 166 0 R null null null 167 0 R null null null 185 0 obj << /Lang (EN-US) /Lang (EN-US) 175 0 obj endobj The other mortgage companies I had previously never had a problem. /Pg 18 0 R >> /Pg 27 0 R As a lender, Newrez focuses on offering a breadth of industry-leading products, supported by a loan process that blends both human interaction and the benefits of technology into an unparalleled customer experience. /Count 22 << /TextBox /Art /Outline /Span endobj << /P 13 0 R /K 10 >> >> /S /P /MediaBox [0.0 0.0 612.0 792.0] >> 93 0 obj >> /P 400 0 R /K 22 /TT1 339 0 R >> endobj THEY ARE DISHONEST AND HAVE TERRIBLE COMMUNICATION WITH THEIR COSTUMERS AND THE SERVICES THAT THEY PROVIDE TO THEM. /P 402 0 R % We are sorry you have suffered a loss against your property. /Parent 9 0 R 156 0 obj endobj << /Lang (EN-US) /K 14 /Lang (EN-US) >> 205 0 obj 210 0 obj endobj /Tabs /S << >> /K 46 /K 13 135 0 obj The insurance carrier called me and told me the policy was about to lapse. 75 0 obj /Encoding /WinAnsiEncoding /K 16 These include Avenue 365 Lender Services, LLC, a title agency, and E Street Appraisal Management LLC, an appraisal management company. stream << >> endobj /Lang (EN-US) /MediaBox [0.0 0.0 612.0 792.0] /Lang (EN-US) endobj << /Font << /Resources << << /S /LBody /Pg 28 0 R /F1 332 0 R endobj endobj >> /K 19 << 213 0 obj /K 3 /Pg 27 0 R /K 35 /TT3 340 0 R << /Resources << /P 13 0 R << endobj /S /LBody /Pg 36 0 R endobj >> /P 430 0 R endobj /S /LBody >> /Pg 29 0 R /K 30 /P 550 0 R /Type /Page Sign in to manage your account, make a payment, and view details on your loan. << /Pg 19 0 R << /TT1 339 0 R /Pg 36 0 R >> endobj endobj /K 34 << /Contents [353 0 R 354 0 R 355 0 R] /Pg 20 0 R endobj endobj /S /P /K 34 endobj >> << << << Now, I have reached out via the website, email, and by phone for another issue and guess what!!! /S /P /Annots [] /P 13 0 R endobj Please download the PDF to view it: Download PDF. /Artifact /P /P 542 0 R Power's 2022 study, so borrowers can expect a positive customer service experience. The company's 2019 volume consisted of roughly 85% mortgage refinance and 15% home purchase, with 37% of their loans involving cash out to the borrower. 230 0 obj /Lang (EN-US) 92 0 R 93 0 R 94 0 R 95 0 R 96 0 R 97 0 R 98 0 R 99 0 R 100 0 R 101 0 R /S /P /K 38 /P 13 0 R 132 0 obj /P 473 0 R endobj /Pg 34 0 R 315 0 obj The goal of this tip sheet is to give you strategies to get control of the insurance money as soon as possible. 60 0 obj << /StructParents 12 /P 495 0 R /K 30 /Pg 36 0 R >> 115 0 obj /StructParents 4 26 0 obj >> /Lang (EN-US) D~ZpyM~@]wpE49HXL2Hc*uOYo>~DJP`4 N6h!3AnQMYIQ$.OP"kDf"3 Bx3X2wc UlI E)=k,ox-QOzQ%WB%HlkCH!'xDA=`PSV$%fb6y1P.=pdC_ZH$F. In his spare time, Elias enjoys exploring new restaurants, traveling to visit his family in Lebanon, and spending time with friends. << /K 6 170 0 obj /S /LBody /K 17 /Resources << /Pg 28 0 R endobj << /Pg 35 0 R 298 0 obj /Annots [] 319 0 obj << << /S /LBody /Lang (EN-US) /Lang (EN-US) Hours 8:00 am - 5:00 pm ET. << I HATE THIS COMPANY!!! They are a part of Shellpoint and other companies. /P 13 0 R Well, with one week NEWREZ paid both insurance companies again rather when rec'd ins docs from companies that attached invoices rather than go and verify looking at closing statement which showed fully paid. >> /Rotate 0 << /Pg 23 0 R endobj /F1 38 0 R >> >> >> /Resources << 150 0 obj /Pg 27 0 R endobj /P 583 0 R Anyone can write a Trustpilot review. /Parent 10 0 R /S /P /P 13 0 R << /Lang (EN-US) /Pg 24 0 R /Pg 27 0 R /P 13 0 R /S /LBody /P 505 0 R >> 15 [null null 266 0 R null null null 267 0 R null null null 206 0 obj 294 0 R null null null 295 0 R null null null 296 0 R null /Pg 36 0 R /Border [0 0 0] /Pg 23 0 R /P 547 0 R << /Lang (EN-US) endobj endobj /K 2 << << 59 0 obj 119 0 R 120 0 R 121 0 R 122 0 R 123 0 R 124 0 R 125 0 R 126 0 R 127 0 R 128 0 R This time it went up $99, ridiculous. /K 13 /Strikeout /Span << >> The Loss Department is generally not user friendly. /K 24 null null 251 0 R null null null 252 0 R null null null 164 0 R null null null 165 0 R] /K 14 /S /LBody 159 0 R null null null 160 0 R null null null 161 0 R null endobj /Pg 16 0 R /P 13 0 R /P 509 0 R 37. /Lang (EN-US) >> /S /LBody null null 180 0 R null null null 181 0 R] /Lang (EN-US) << >> 163 0 obj /K 1 /TT0 333 0 R << /CropBox [0.0 0.0 612.0 792.0] /P 442 0 R << 274 0 obj /S /P >> Catastrophic loss survivors have taken a variety of novel approaches to recover the interest on the insurance proceeds. /S /LBody Find out how we combat fake reviews. /Tabs /S /S /LBody >> /S /L null null 194 0 R null null null 195 0 R] /Annots [] 57 0 obj /Annots [40 0 R 41 0 R] /Lang (EN-US) Out of the 25 largest lenders by number of loans originated, Newrez was the 16th largest mortgage lender in 2021, according to a Consumer Financial Protection Bureau analysis of HMDA data. Nothing on this site should be taken as legal advice for any individual 9 [null null 201 0 R null null 72 0 R 73 0 R null null 202 0 R Newrez is an online-only lender that's available in all 50 states and Washington, DC. /Pg 16 0 R /Lang (EN-US) /TT2 334 0 R Editorial Note: Any opinions, analyses, reviews or recommendations expressed in this article are those of the authors alone, and have not been reviewed, approved or otherwise endorsed by any card issuer. >> endobj endobj endobj /Lang (EN-US) /TT2 335 0 R /K 38 /Pg 21 0 R /S /LBody /Lang (EN-US) 278 0 obj 103 0 obj endobj We were transferred to New Rez and then told about it. This means that before you can begin to rebuild, you must first understand the process of how to get your mortgage lender to let go of your insurance proceeds (seesample letter from a lender to homeowner). /S /LBody /Pg 16 0 R /S /LBody /Pg 17 0 R /Pg 25 0 R << << This happens because your lender has a financial interest in the property that your insurer will honor/protect. /Contents [386 0 R 387 0 R 388 0 R] >> >> << /S /P /StructParents 5 /Lang (EN-US) /Type /Catalog /K 51 << endobj endobj Write detailed letters that review whats happened to date. /Tabs /S << /P 131 0 R /Lang (EN-US) /K 26 endobj >> Why does it have to go through my mortgage company first when I paid theinsurance premiums? /Parent 8 0 R >> << We also ensure all reviews are published without moderation. >> Licensing Information. /P 533 0 R endobj /Pg 26 0 R /S /Link << /C [0 0 1] People who write reviews have ownership to edit or delete them at any time, and theyll be displayed as long as an account is active. >> >> /Lang (EN-US) The plaintiff also alleges Shellpoint falsely reported to the credit bureaus that he was more than 30 days late on his mortgage payments for May 2020 and August and September 2020, i.e., after the sale of his property. /TT3 340 0 R /Pg 36 0 R >> endobj /Pg 36 0 R << >> /S /LBody The compliance team's mission is to provide readers with stories that are fact-checked and current, so they can make informed financial decisions. /Pg 36 0 R /Pg 21 0 R /P 463 0 R /Pg 21 0 R /MediaBox [0.0 0.0 612.0 792.0] endobj /P 432 0 R << << 266 0 obj Newrez offers conforming, FHA, VA, and non-QM loans, which include its three Smart Series mortgages: Newrez has an A+ rating from the Better Business Bureau. /Pg 35 0 R << >> endobj If your claim equals $40,000 or less, we will require the check (s) from your insurance company and the adjuster's report. 40 0 obj 416 0 R 417 0 R 418 0 R 419 0 R 420 0 R 421 0 R 422 0 R 423 0 R 424 0 R 425 0 R /K 6 /Parent 10 0 R 283 0 obj /AA 6 0 R /K 30 /MediaBox [0.0 0.0 612.0 792.0] Im about to complain to the Federal Consumer Financial Protection Bureau and to hire an attorney to go after them. /DropCap /Figure 212 0 obj 300 0 obj /K 22 /Encoding /WinAnsiEncoding /K 10 /Pg 17 0 R /K 34 << 134 0 obj endobj >> /P 527 0 R If Borrower obtains any form of insurance coverage, not otherwise required by Lender, for damage to, or destruction of, the Property, such policy shall include a standard mortgage clause and shall name Lender as mortgagee and/or as an additional loss payee . >> << /K 10 /P 492 0 R /Type /Pages /K 31 >> endobj /CropBox [0.0 0.0 612.0 792.0] /P 13 0 R /CropBox [0.0 0.0 612.0 792.0] /P 545 0 R /P 13 0 R >> /S /LBody /K [42 0 R 43 0 R 44 0 R 45 0 R 46 0 R 47 0 R 48 0 R 49 0 R 50 0 R 51 0 R null null 150 0 R null null null 151 0 R null null null << 130 0 obj null null 75 0 R null null 203 0 R null null null 204 0 R /Resources << /Pg 28 0 R /Contents [392 0 R 393 0 R 394 0 R] /K 58 /Contents [395 0 R 396 0 R 397 0 R] /P 13 0 R 312 0 obj 146 0 obj /S /LBody 54 0 obj So angry my mortgage was transferred to this unorganized, fraudulent company. /Rotate 0 190 0 obj /S /LBody x+ | 223 0 obj /Lang (EN-US) /Lang (EN-US) >> /Pg 25 0 R /Pg 26 0 R Labeled Verified, theyre about genuine experiences.Learn more about other kinds of reviews. /S /P /S /P /Pg 20 0 R >> 15 0 obj << /F1 332 0 R /K 37 /TT2 340 0 R << 16 [null null 281 0 R null null 98 0 R null null 282 0 R null /K 28 /Lang (EN-US) << Law(s) State(s) . If you have an issue be prepared to get transferred around to different departments with no one taking responsibility or able to provide an answer.
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