I just received a letter from SPS that they are now my loan servicer, and Chase sold them my loan. I received it yesterday and they started servicing my loan as of 08/01/13, which was yesterday. Ok, same day notice... that doesn't look good for a start. I did not receive anything from Chase either. So here's my situation and I am currently NOT in foreclosure status with Chase but I am behind on my payments by like 2 months. I make sure I make payments and not get behind by 90 days because that's when they can start foreclosure. I was on a repayment plan and got behind so it was broken.. anyways, that's a long story but I am going to KEEP my house. No 2nd on the house anymore, we took care of that so I am not going to lose my house because of this bad servicing company. I was fine with Chase but it is what it is. So I only have 1 loan, and owe $730K but I am behind 2 months. 1st question is, how does this new services handle that and are they aggressive on their foreclosures? (anyone with experience with them, pls give me your input). 2nd, how are they with setting up repayment plan. I can try to setup a repayment plan with them, maybe their terms are better than Chase (?), Chase only lets you pay your behind payments within 12 months max.... if the new company allows more, I can probably handle that. 3rd, how are they with loan modifications? Based on what I've researched here, and online, they have tons and tons of complains and horrible in loan mods... Gosh, why did Chase sell them my loan? Anyone know if banks sells them only bad loans and then SPS will be aggressive in foreclosure??? HELP! Looks like I'm in for a ride. And there's no way I can pay them my 2 months behind up front, plus my normal payment... That's like 10K!