I had a horrible time dealing with Wilmington Finance when my mortgage was sold to them. They forgot to pay my taxes out of the escrow account. They paid the insurance so late that it was cancelled. Then they tried to charge me late fees and reinstatement fees to pay for their mistakes. The customer service department was rude and careless and refused to take any blame. When I asked to speak to a supervisor I got transferred between the same 2 representatives 6 times before they eventually disconnected me. They were also extrememly hard to understand, they spoke with deep accents and insulted me when I didn't understand them. When I finally spoke to a manager they tried to blame me as well. I was forced to hire a lawyer in order to get them to do anything about their own negligence. If you have any choice at all, do NOT ever deal with Wilmington Finance.