[slopez]

Thanks for taking the time to reply! Saxon hasn't sent me ANYTHING other than a letter stating that they are beginning foreclosure proceedings and to call them for my options. When I called I must have been on the phone for an hour and talked to 3 people only to get hung up on.

Yes, (name removed) did state that they wouldn't be able to take our money if Saxon didn't agree that they could modify our loan and (name removed) also stated that if they can't render services that we would get our money back. The last time I talked to (name removed) on June 25th she said that my property did not have a NOD yet. I've tried numerous times to call Saxon and they just demand money, argue with me. We owe more on the house than it's worth and are definately are upside down on our loan.