In the year 2009 my business income volume decreased almost 75 % I was diagnosed with a XXXX due to all the financial dificulties, at the same time my husband fell ill and had to go under XXXX XXXX and we had to live on credit cards to be able to make ends meet. My credit got overextended and we where not able to afford the terms on the credit cards and also it caused to default on the mortgage monthly payment. We requested a short sale and placed our property on the market for almost 6 months and have shown the property numerous times with no luck. 
I requested a loan modification with the now owner of the loan which is Select Portfolio Servicing , Inc being that now my situation is a whole lot better financially and health-wise and the Bank wont even consider giving me the opportunity to keep my home. I received a letter saying that it was not under the best interest of the investor to give us the opportunity to keep our home. 
