Ok, make a story short I got a loan for a house through Chase. I had lots of troubles and could not pay the note. After a few years I have entered into an agreement with Real Time Resolutions. They dropped my payment to 300 dollars a month at 0% intrest. I have been making these payments for better than 6 months now. Today i get a letter in the mail and they (Real Time) wants to settle for 9,450.98. I just do not get it! I am so lost in all this. I am a father of four. We still live in this house and if there is any possibility of saving it, I would do anything but, I am afraid to do anything. My account balance is over 37,000 dollars. I am way over my head here. I sure could use some help from anyone. If i can come up with this money, will the house be mine? What is the deal here. Can they still take my house?