I am new to the forum but have read some about BofA dumping some of their loans. I was notified on April 1st that Resurgent Mortgage Servicing will now service my loan. I have yet to receive anything from Resurgent and of course am not in their system. Prior to that on March 21st I received a second Notice of Intent to Accelerate and Foreclosure. The first one came around in September 2012. It's been 12 months since I have made a payment when my toxic ARM jumped about $700 in May 2012. Two nights ago some cat from LandSafe showed up at the house at 7:30PM wanting to take pictures. He had the ominous manila envelope in hand and told me to call the bank. He had the BofA phone number but listed Chase, who never serviced this loan, but nothing about Resurgent. I called BofA who promptly told me that they no longer had my loan. I would like to stay in the house mainly because it is convenient and because rent in Northern Virginia in ridiculously expensive. I also have a Chapter 7 discharge from 2009 and this house is included in it. I filled out the paperwork for HAMP or HARP or whatever it was and was offered a trial mod but my payment actually went up $100 with the fixed rate. I explained that there wouldn't have been a problem in the first place if my ARM had not skyrocketed with the toxic mortgage. Is there any negotiating with Resurgent Mortgage Servicing? I am not even sure where I stand with them since I am still not in their system. I would like to stay but know I have the out because of the BK if it comes right down to it. Is anyone out there familiar with Virginia foreclosures, i.e, what's next after the NOI; how much longer do I have in the house; can I prolong the process?