I agree with the bullying and it has nothing to do with your payments being over 30 days late . After building our home on family land we went through a divorce .
Having one income the payments had to be taken out of my biweekly checks. The payment was never over 30 days late it was more like 10 days late . I had to call law enforcement several times on people from the company who came to my property to take pictures of my house and land when I was one day late !
They showed up at my child's birthday party when I was 5 days late and always called and advised them when the payment would be in. Due to the harassment from the company, I sold the home for very little and lost land that belonged to my family .