EMC Mortgage Corp., Lewisville, Texas, has announced an emergency response and crisis management plan to assist customers affected by the catastrophic wildfires in Southern California.The company said it will cease all foreclosure and bankruptcy proceedings for the next 30 days, as well as negative credit reporting activity, the imposition of late fees, and the placing of collection calls. "Automatic adjustable-rate mortgage resets may be modified as needed," EMC said. The company said it will contact customers deemed likely to have been affected by the fires, encourage affected borrowers to contact EMC on its customer service line, and assess whether customers need further assistance when the fires have been extinguished. EMC, a wholly owned subsidiary of The Bear Stearns Cos., can be found online at http://www.emcmortgagecorp.com.

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