We took out a second mortgage for XXXX for a 15 year loan in 2006 with XXXX XXXX XXXX who sold it to XXXX who sold it to Franklin Credit managment. The initial interest rate was 13.9 %. I made payments for 3 years the Principal stayed at XXXX. I had no contact from this company for 6 years. After 6 years they contacted me 6 months ago saying I had to pay XXXX in back payments or they would foreclose. They then hired The XXXX who put a Notice of Foreclosure on my house. This is a predatory loan. The loan amount never went down. The loan was for 15 years. We will pay them a total so far of the XXXX + the XXXX which will = XXXX. 
