i am in michigan and recently stopped working for a mortgage company. before i did i had a situation with a client where she was selling her house and buying a new home using our company to get the mortgage. i was informed via the phone that the company her current and proposed mortgage was to be through would not waive what is called a prepayment penalty, but in turn they would reimburse us on the next mortgage in what is called yield spread. i (just before i left not for any gain for myself knowing i was already leaving typed a payoff statement leaving the prepayment penalty out so the client could close on her house.) i just figured that when the purchase mortgage went through they would make up for it there. my past employer has now went to the authorities regarding this matter, i went in and talked with them today and they have asked me to take a polygraph test. i have no real problem doing this because i know i am telling the truth, i just wonder what the worst that can come of this may be. please get back to me as soon as possible as the authorities would like to have this wrapped up by the end of the next week, and i do not know if i should just go in and go ahead with this, or if i need a lawyer immediately. if the most that can come of this is a civil suit with my old employer then i would really appreciate to be informed of that. thank you.