In XXXX 2010 Due to my closing my Trucking business due to economy not producing enough income to cover overhead. I could no longer afford my house payments. I went from XXXX a month to XXXX K in one month time frame. Thus the house was unaffordable. we called XXXX and explained it. XXXX took it over and there was very little communication with us via mail and some harassment over the phone. We submitted paper works with XXXX several times because they would n't be able to find the paper work that was faxed and mailed to them. We talked to several people in the collections department and never went to loss mitigation with them. They did file Notice of Default with the XXXX XXXX courts in 2010 and even had a sale date that we never notified of. But the continual excuses and dragging the issue around when we asked multiple times in writing for a modification did nothing but leave a huge amount because the original loan was never paid and interest and late charges were mounting. We requested a reduction in principal which many homeowners in XXXX XXXX XXXX received but they finally made a loan mod agreement and never mention that there would be a new servicer for the loan and not XXXX. The servicing company Select Portfolio Services. This company has a track record that goes back to before they were SPS. They have been involved in many foreclosures and illegal property sales at pennies on the dollar without notification. No Original note ever being presented. Why when other people in XXXX XXXX county received principal reductions di my mortgages increase to where I have a XXXX balloon payment. 
