XXXX I took a 30 year interest only loan for {$690000.00} in XXXX, CA. We also took out a XXXX loan with an interest only adjustable HELOC ( purchase money loan ) for {$130000.00}. Both loans were with XXXX. 

The housing market crashed and around XXXX we were having trouble with our mortgage and HELOC. We completely stopped paying for our HELOC way back then. 
Our house was completely underwater. 

Both loans were with XXXX and we received a terrible loan modification that raised our payment and we went back into default. XXXX sold both loans to XXXX XXXX XXXX. Again, applied for loan modifications for over 2 plus years. Again, received another one that raised our payment. These modifications were not set up to help. Still we were not paying our XXXX. XXXX XXXX XXXX sold our HELOC loan to XXXX XXXX XXXX. Still no balance info and no payment made since XXXX. After many failed attempts I filed chapter XXXX BK in XXXX. 

Filed a complaint with CFPB about the predatory lending we had been through. Received and successfully completed a sustainable payment with a loan modification. We have been paying our 1st mortgage for over 3 years. It seems XXXX XXXX XXXX sold our loan to SLS Lending. They were part of the predatory lenders and I just received a letter from them about nothing I can understand. The letter was not dated, with no account info. I have not responded to them via phone, email or letter. I have filed a complaint with you as the validity of this debt they may or may not claim I owe. 

In addition, XXXX XXXX XXXX and XXXX both faced law suits and were ordered to forgive XXXX XXXX dollars in HELOC loans. We were never notified of this at the time and we believe this loan would fall under this category. We are current on our first loan and it is our primary residence. We can not afford to pay a new loan. Our 1st was modified based on hardship and we can not afford to move. I believe this HELOC loan should have been forgiven at the time of our loan modification as we were underwater. This week I filed XXXX complaints. XXXX for the HELOC to be forgiven based on a major settlement. And the second against SLS Lending for trying to validate or collect this debt that may or may not exist. 
