After attempting to obtain a loan modification and additional assistance by working with our primary (Chase), the 2nd lender would do nothing for us (Greentree). Had to make more money to survive and found employment 650 miles away. Received a relo package and also a corporate home buyout option. The house was then in 2009 and is now in 2013, way underwater by about $150K. Presented the corporoate buyout offer of $228K in July 2010 to the primary and it was initially accepted but the 2nd (Greentree) said no way. We had no other options and because of this, we were forced to face foreclosure on the home. We haven't been in the home since September 2009 and the locks were changed then as well. It has been almost 4 years and the foreclosure still hasn't happened. After being threatened repeatedly by Greentree, and after numerous phone calls and attempts to negotiate with them, they finally sent an order in December 2012 that they would garnish our wages. It was like a margin call from them. Give us all of the $76K now or no deal. We told them no deal. If I had known that I could possibly have settled with them after receiving the court document in December, I certainly would have tried. Our attorney never mentioned this and said our only option was CH13 because our income was too high for CH7. We filed and that turned into an absolute nightmare. The law is rediculous. I've petioned for a voluntary dismissal because I can pay my other creditors. Our question is this: After we stabilize our creditors (which we are now doing), can we still get an attorney to help us fight Greentree? I would be willing to settle for 5-10% if it is possible to do that. We want to fight this and beat Greentree. Any advice?