My loan was originally with XXXX XXXX XXXX and was transferred to XXXX then recently to SLS. Once I received the notification that the loan was transferred once again, I immediately requested a loan modification package and sent in all my documentation a few weeks before the foreclosure sale. I was then contacted by SLS informing me that one page was missing an initial so I immediately faxed it over the same day. When I called to follow up the following day, I was informed from a Customer service representative that it was too late and that I would not be reviewed for a loan modification due to it being too close to the sale date. If this was the case, why did they accept the documents just a few days before instead of telling me it was too late then so I could have sought other options. I understand I am behind and am trying to do everything I can to make my payments again and get some type of foreclosure avoidance but it seems no one wants to assist me. 
