My home loan was sold to a debt collector. From XXXX home loans to Select Portfolio Services. I have great credit and have NEVER missed a payment. Sps does not do any refinancing or loan modification. I ca n't take advantage of getting relief in any form unless I become sell my home for less or become delinquent. 
Since the home is underwater no leanding institutions will assist me. Not XXXX, HARP, HAMP, XXXX XXXX, MY BANK or any XXXX BANKS. 
I was never given the opportunity to search for a new lender nor did I sign any paper work. 
Is this legal? 
I feel like a prisoner with good credit history and it 's unfair, immoral and unjust. 
