I need help working with Select Portfolio Servicing on my home mortgage. They advised me to not make payments to qualify for HAMP modification. Now, they have told me that I do not qualify for HAMP modification, and the home is in foreclosure. I only owe approx.. {$18000.00} on the home. Select Portfolio Servicing ordered an appraisal that values the home at {$67000.00}, 2 months ago. They have started foreclosure only since the appraisal was received, and they knew the equity was in the home. I have spoken with my local bank and they said the " ability to repay '' for my husband and me is within policy, according to the new XXXX XXXX requirements. We have fixed monthly income from Social Security and my husband 's pension. The only debts we have is our car loan and we recently paid off a small debt to " Whynotlease? '' We really feel they have advised us not to make payments until the review was completed. After the review was completed they said we did not qualify for a modification, and they began foreclosure. They realized there was equity in the home, and proceeded to foreclose for benefit of Select Portfolio Servicing. 
Please Help!! 
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