I 'm a consumer with a very serious mortgage problem. I 'll try to explain the best I can. I bought my primary residence in California back in XXXX of XXXX through an Interest only, XXXX/XXXX/XXXX Adjustable Rate Mortgage loan granted by the extinct XXXX XXXX XXXX, now acquired by XXXX XXXX XXXX. At that time I was working in XXXX XXXX and could afford that type of loan until the market crashed and I was out of the market and immerse in debts. 
Then I started working for a local Loan Modification Office and with that office I could get an initial modification of my XXXX note. Everything was running smoothly with my mortgage payment until the California Senate Bill 94, XXXX XXXX, XXXX, that force that company I was working for, to close door which left me without income again. I do not have to say, I was behind in my mortgage for several months, for a XXXX time, and looking for jobs for several months, until a got hire as a XXXX in a Mortgage company. 
Soon, XXXX XXXX XXXX transfer services to Specialized Loan Servicing LLC who is the institutions that holds the Note on my primary home. Though, I have not clear who the owner of my Note is : either, XXXX XXXX XXXX or XXXX XXXX. Nevertheless, I have been trying a new Modification with the Servicer I just mentioned FOR TWO YEARS and this Servicer keeps requesting the same docs for months, and telling me my case is in review every time I call and talked to the several Relationship Managers I have had so far, and my debt is growing every month and hard to repay without a plan. In the meantime, I received a NOD at XXXX/XXXX/XXXX, the time is running out and I have come to believe the Servicer is leading me to believe it is " considering '' my request in good faith, when in reality it is marching through the foreclosure process, as you can see, very quickly! Then, I 'll be " turned down '' for that loan modification just before the foreclosure sale. Please, help me to find an answer before it 's too late for me and my family. I have sent a package to SLS AGAIN! Thank you very much! 
