Based on the many posts on this website, government compliance websites, mortgage watch-dog group websites, "rip-off" updates websites, and others, it is apparent that a thread of discussion concerning Select Portfolio Servicing needs to be resumed. I say resumed because I recall seeing some very good information about this servicer some time ago. Moe has created a website that has become a critical component to survival during these tough times. I have read that a few people have successfully managed to get SPS to work out a home loan modification plan, if there are others please share. If there homeowners still struggling like us to make it work with them please let's share our thoughts, experiences, and suggestions. In looking at the new Fall Stats released reflecting modifications, it is glaring that these numbers are skewed and not reflective of what is really going on with home loan modifications particularly with SPS. It is wonderful to know that some servicers and lenders are trying to help homeowners who just need a lift back to normalcy. I also have reason to believe that some of the comments being posted on this website that are positive concerning SPS is being made by their Offices to put a positive spin on things. I actually was told this by a representative in a mortgage company. More importantly is that everyone in America with this lender or servicer needs to post and let everyone know what really is going on. If it is as bad as my Realtor tells me it is then they need to really have government action taken against them. I already found that they were Fairbanks Capital and had a US Gov Class Action Lawsuit brought against them. In closing, we know that all of these workout plans by design are for the benefit of the investor and not the homeowner, but some of the decisions being made are putting citizens on the street and are certainly not to the advantage of the investor. I work for a homeless social service agency and at least 20 people a day tell us that they have been foreclosed on and put on the street. Folks, they are living in shelters in the area. Just today in the rain we put 3 families into a hotel. They had their paperwork showing that they thought they were on forebearance, then a HAMP plan, then they were denied after making 3 trial payments, and then out of the house. It is heartbreaking and I have nothing but empathy because we are trying to not end up like them. We are embattled in our own HAMP issues with SPS. In Texas they can foreclose faster than anywhere else and the lender simply exercised the right to foreclose based on notices sent months ago. The families thought that the foreclosure proceedings had stopped because of the trial period, but SPS foreclosed anyway. Times are rough and we can make it through with encouragement and advise from our experiences. I apologize for the long post, but this entire matter is overwhelming for us all. Keep the faith and strength.