I am in receipt of a notification dated XXXX XXXX, 2015 indicating that the law firm of XXXX XXXX XXXX, XXXX of XXXX, NJ has been retained to initiate a lawsuit to foreclose the mortgage on my property. As per this correspondence, it denotes that the creditor of aforementioned property is XXXX Bank XXXX XXXX and/or XXXX Mortgage Loan Trust. This is not my mortgager ( it was XXXX XXXX XXXX ), it 's now Select Portfolio Services. 

I 've requested that the law firm provide information to validate the creditor and ownership of this mortgage. Neither of these institutions have been a mortgage holder which I am familiar with. I am currently in the process of negotiating a modification of my current mortgage with Select Portfolio Services XXXX Inc., and appealing the preliminary decision. This notice is the first time I 've been advised of these XXXX additional creditors/trustees. I feel like this is an institutional strong-arm tactic to intimidate me into a short-sale of my home in lieu of a modification. 

In addition, the original mortgage for this home was refinanced several times over the past 10 years and initially was $ XXXX. I 've requested with a chronological explanation of the additional {$62.00}, XXXX. This amount appears to be incorrect and/or is underpinned by predatory lending practices from lender to lender. These may be lenders that I am unfamiliar with that appears to be certificate transfers. I would like to see these transfers with dates and explanations. 

Lastly, as you may imagine, I am deeply concerned about these institutional hand-offs from lender to lender and the legalese in this recent correspondence. I have requested a detailed explanation of items # XXXX & XXXX in layman 's terms, as I am unable at this time to afford legal representation. 
