I bought my property with an XXXX loan. My first loan was succesfully modified making my payment much more affordable. I applied for a loan modification on my XXXX mortgage in several ocassions but it was never approved. This loan was serviced by XXXX XXXX XXXX, and In XXXX of 2015 I received a 1099-C tax form canceling such debt. I properly reported this cancellation of debt in my 2015 Tax return. A few months later I was contacted by Green Tree Servicing LLC, informing they just took over the servgicing of such loan. I was advised by a Housing Counselor to report the incidents since this can be related to a phantom debt scam. 
