Back in 2008 we were with Countrywide and thanks to this page I was able to get a loan modification for 5 years. During that time our loan went to BoA and then they sold it to SPS. In July 2013 our modification ended and our mortgage went up almost an additional $600. We were able to struggle and pay until this January. Now we are 3 months behind. I have sent SPS everything they requested 2x. We got a letter this week requesting everything again. I just got off the phone with them and they need an additional copy of a bank statement. I was also told they are starting to work with an attorney on our case because it is 3 months behind and asked if we could pay anything because that will help back off the attorney. In my hardship letter I explained why we can't pay and also mentioned car repairs my husband is currently having to pay. Not sure where they expect me to pull money from. I am so confused. If we are not behind they will think we don't need a modification when we are behind they get an attorney after us after 3 months. I have a feeling I will send them another bank statement and then they will say one more thing is missing and play this game for months. Suggestions on what to do?