Select Portfolio Servicing

Debt collectors like Select Portfolio Servicing cannot harass you over a debt. You have rights under the law, and we will stop the harassment once and for all.

THE BEST PART IS…

If Select Portfolio Servicing violated the law, you will get money damages and they will pay your attorney’s fees and costs. You won’t owe us a dime for our services. Plus, some of our clients also receive debt relief and cleaned-up credit reports. You have nothing to lose! Call us today at 888-572-0176 for a free consultation.

Who is Select Portfolio Servicing?

Select Portfolio Servicing is a loan servicing company based in Salt Lake City, Utah, with an additional office in Jacksonville, Florida. Founded in 1989, SPS is not accredited by the Better Business Bureau (BBB) and has received hundreds of complaints for billing/collection problems and potential FDCPA violations.

Select Portfolio Servicing’s Address, Phone Number, and Contact Information

Select Portfolio Servicing is located at 3217 S Decker Lake Dr, Salt Lake City, UT 84119-3284. The P.O. Box is: P.O. Box 65250, Salt Lake City, UT 84165-0250. The main telephone number is 800-258-8602 and the main website is www.spservicing.com/

Phone Numbers Used by Select Portfolio Servicing

Like many debt collection agencies, Select Portfolio Servicing may use many different phone numbers to contact debtors. For an advanced search, visit www.agrussconsumerlaw.com/ and click “Number Search” in the “Lookup” dropdown menu. Here are some phone numbers Select Portfolio Servicing may be calling you from:

Select Portfolio Servicing Lawsuits

If you want to know just how unhappy consumers are with Select Portfolio Servicing, take a look at the lawsuits filed against the agency on the Public Access to Court Electronic Records (“PACER”). PACER is the U.S.’s federal docket which lists federal complaints filed against a wide range of companies. A search for the agency will display over 5,400 lawsuits filed in the U.S., and these typically involve violations of consumer rights and/or the Fair Debt Collection Practices Act (FDCPA).

Select Portfolio Servicing Complaints

The Fair Debt Collection Practices Act (FDCPA) is a federal law that applies to everyone in the United States. In other words, everyone is protected under the FDCPA, and this Act is a laundry list of what debt collectors can and cannot do while collecting a debt, as well as things they must do while collecting debt. If Select Portfolio Servicing is harassing you over a debt, you have rights under the FDCPA.

The Telephone Consumer Protection Act (TCPA) protects you from robocalls, which are those annoying, automated, recorded calls that computers make all day long. You can tell it’s a robocall because either no one responds on the other end of the line, or there is a delay when you pick up the phone before a live person responds. You can receive $500 per call if Select Portfolio Servicing violates the TCPA. Have you received a message from this agency that sounds pre-recorded or cut-off at the beginning or end? These are tell-tale signs that the message is pre-recorded, and if you have these messages on your cell phone, you may have a TCPA case against the agency.

The Electronic Fund Transfer Act (EFTA) protects electronic payments that are deducted from bank accounts. If Select Portfolio Servicing took unauthorized deductions from your bank account, you may have an EFTA claim against the agency. Select Portfolio Servicing, like most collection agencies, wants to set up recurring payments from consumers; imagine how much money it can earn if hundreds, even thousands, of consumers electronically pay them $50 - $100 or more per month. If you agreed to this type of reoccurring payment, the agency must follow certain steps to comply with the EFTA. Did Select Portfolio Servicing continue to take electronic payments after you told them to stop? Did they take more money from your checking account than you agreed to?  If so, we can discuss your rights and a potential case under the EFTA.

The Fair Credit Reporting Act (FCRA) works to ensure that no information reported to your credit report is false. In essence, it gives you the right to dispute those inaccuracies that you find on your credit report. We’ve handled many cases in which a debt collection agency reported debt on a consumer’s credit report to obtain leverage over the consumer. If Select Portfolio Servicing is on your credit report, they may tell you that they’ll remove the debt from your credit report if you pay it; this is commonly known as “pay for delete.” If the original creditor is on your report rather than the debt collector, and you pay off the debt, both entities should accurately report this on your credit report.

Several states also have laws to provide their citizens an additional layer of protection. For example, if you live in California, Florida, Michigan, Montana, North Carolina, Pennsylvania, Texas, or Wisconsin, you may be able to add a state-law claim to your federal law claim above. North Carolina, for example, has one of the most consumer-friendly statutes in the country: if you live in NC and are harassed over a debt, you may receive $500 - $4,000 in damages per violation. We work with a local counsel in NC and our NC clients have received some great results in debt collection harassment cases. If you live in North Carolina and are being harassed by a debt collector, you have the leverage to obtain a great settlement.

How do we Use the Law to Help You?

We will use state and federal laws to immediately stop Select Portfolio Servicing’s debt collection. We will send a cease-and-desist letter to stop the harassment today, and if Select Portfolio Servicing violates the FDCPA, EFTA, FCRA, or any state law, you may be entitled to money damages. For example, under the FDCPA, you may receive up to $1,000 in damages plus actual damages. The FDCPA also has a fee-shift provision, which means the debt collector will pay your attorney’s fees and costs. If you have a TCPA case against the agency, we will handle it based on a contingency fee and you won’t pay us a dime unless you win.

THAT’S NOT ALL…

We have helped thousands of consumers stop phone calls. We know how to stop the harassment and get you money damages. Once again: you will not pay us a dime for our services. We will help you based on a fee-shift provision and/or contingency fee, and the debt collector will pay your attorney’s fees and costs.

What if Select Portfolio Servicing is on my Credit Report?

Based on our experience, some debt collectors may credit-report, which means one may mark your credit report with the debt they are trying to collect. In addition to or instead of the debt collector, the original creditor may also be on your credit report in a separate entry, and it’s important to properly identify these entities because you will want both to update your credit report if or when you pay off the debt.

THE GOOD NEWS IS…

If Select Portfolio Servicing is on your credit report, we can help you dispute it. Mistakes on your credit report can be very costly: along with causing you to pay higher interest rates, you may be denied credit, insurance, a rental home, a loan, or even a job because of these mistakes. Some mistakes may include someone else’s information on your credit report, inaccurate public records, stale collection accounts, or even being a victim of identity theft. If you have a mistake on your credit report, there is a process to dispute it, and my office will help you obtain your credit report and dispute any inaccurate information.

REMEMBER…

If a credit reporting agency violates its obligations under the Fair Credit Reporting Act (FCRA), you may be entitled to statutory damages up to $1,000, and the credit reporting agency will be required to fix the error. The FCRA also has a fee-shift provision, which means the credit reporting agency will pay your attorney’s fees and costs. You won’t owe us a dime for our services. We have helped hundreds of consumers fix inaccurate information on their credit reports, and we’re ready to help you, too.

Complaints against Select Portfolio Servicing

Here are some of the Better Business Bureau (BBB) reviews and complaints against Select Portfolio Servicing:

  1. This company has been completely disagreeable, disrespectful and down right difficult throughout our entire real estate transaction. Their extreme inability to be flexible and negotiable with us in a complicated home purchase and then their incredibly rude and greedy attempt at keeping the Earnest Money Deposit when things were not working out has been appalling!”

  2. Select Portfolio Servicing states that it seeks to help individuals stay in their home and that they offer many plans to help pay missed payments. However, nothing is further from the truth. After missing three payments due to major health problems, SPS locked my online account and returned my checks, refusing to accept any payment other than the full amount owed, which included late fees, home inspection fees and other fees I was attempting to dispute.”

What Our Clients Say About Us

Agruss Law Firm has over 825 outstanding client reviews through Yotpo, an A+ BBB rating, and over 110 five-star reviews on Google. Here’s what some of our clients have to say about us:

“Michael Agruss handled two settlements for me with great results and he handled them quickly. He also settled my sister’s case quickly and now her debt is clear. I highly recommend Michael.”

“Agruss Law Firm was very helpful, they helped me solve my case regarding the unwanted calls. I would highly recommend them. Thank you very much Mike Agruss!

“Agruss Law Firm was very helpful to me and my veteran father! We were harassed daily and even called names for a loan that was worthless! Agruss stepped in and not only did they stop harassing, they stopped calling all together!! Even settled it so I was paid back for the problems they caused!”

Can Select Portfolio Servicing Sue Me?

Although anyone can sue anyone for any reason, we have not seen Select Portfolio Servicing sue consumers, and it’s likely that the agency does not sue because they don’t always own the debt they are attempting to collect, and would also need to hire a lawyer, or use in-house counsel, to file a lawsuit. It’s also likely that the agency collects debt throughout the country, and it would be quite difficult to have lawyers, or a law firm, licensed in every state. However, there are collection agencies that do sue consumers; for example, Midland Credit Management is one of the largest junk-debt buyers, and it also collects and sues on debt. Still, it is less likely for a debt collector to sue you than for an original creditor to hire a lawyer or collection firm to sue you. If Select Portfolio Servicing has threatened to sue you, contact Agruss Law Firm, LLC as soon as possible.

Can Select Portfolio Servicing Garnish my Wages?

No, unless they have a judgment. If Select Portfolio Servicing has not sued you, then the agency cannot get a judgment. Barring limited situations (usually involving debts owed to the government for student loans, taxes, etc.), a company must have a judgment in order to garnish someone’s wages. In short, we have not seen this agency file a lawsuit against a consumer, so the agency cannot garnish your wages, minus the exceptions listed above. If Select Portfolio Servicing has threatened to garnish your wages, contact our office right away.

Select Portfolio Servicing Settlement

If you want to settle a debt with Select Portfolio Servicing, ask yourself these questions first:

  1. Do I really owe this debt?
  2. Is this debt within the statute of limitations?
  3. Is this debt on my credit report?
  4. If I pay this debt, will Select Portfolio Servicing remove it from my credit report?
  5. If I pay this debt, will the original creditor remove it from my credit report?
  6. If I pay this debt, will I receive confirmation in writing from Select Portfolio Servicing for the payment and settlement terms?

These are not the only things to consider when dealing with debt collectors. We are here to help you answer the questions above, and much more. Whether it’s harassment, settlement, pay-for-delete, or any other legal issue with Select Portfolio Servicing, we at Agruss Law Firm are here to help you.

Top Debt Collection Violations

Debt collection laws provide a laundry list of what collectors can and cannot do while collecting a debt. Based on our years of experience handling thousands of debt collection harassment cases, here’s what collection agencies most often do to violate the law:

  1. Called you about a debt you do not owe.
  2. Called you at work after you told them you cannot receive calls at work.
  3. Left you a message without identifying the company’s name.
  4. Left you a message without disclosing that the call is from a debt collector.
  5. Called third-parties (family, friends, coworkers, or neighbors) even though the collection agency knows your contact information.
  6. Disclosed to a third-party (family, friends, coworkers, or neighbors) that you owe a debt.
  7. Contacted you after you said to stop calling.
  8. Threatened you with legal action (such as a lawsuit or wage garnishment).
  9. Called you before 8:00 AM or after 9:00 PM.
  10. Continued to call you after you have told the collector you cannot pay the debt.
  11. Communicated (phone or letter) with you after you filed for bankruptcy.
  12. Failed to mark the debt on your credit report as disputed after you disputed the debt.

Frequently Asked Questions

  1. Do I have to pay your fees and costs for helping me with my consumer rights case? No. We handle consumer rights cases based on a fee-shift provision and/or a contingency fee. That means either the other side pays your fees and costs, or we take a percentage of your recovery. Whether it’s a fee-shift case or a contingency-fee case, we don’t get paid unless you get paid, and you’ll never owe us a penny for our time.

  2. What are the damages I can get under the Fair Debt Collection Practices Act? If a collection agency violates any section of the FDCPA, you are entitled to damages up to $1,000.00. You may also be entitled to actual damages if the violation caused you out-of-pocket expenses. For example, if a collection agency threatens you with legal action to induce you to pay the debt, you may be able to get your payment back as actual damages.

  3. What are the damages under the Telephone Consumer Protection Act? You can get $500 per robocall, or $1,500 per robocall if the robocalls were willful. In any type of settlement, Defendants often pay much less than $500 per call. However, if there are 50 calls at issue, even at $250 per call, your case could settle for $12,500.00.

  4. What type of debt is covered under the Fair Debt Collection Practices Act? Only consumer debt, such as personal, family, and household debts. For example, the money you owe on a personal credit card, an auto loan, a medical bill, or a utility bill. The FDCPA does not cover debts you incurred to run a business, or debts regarding unpaid taxes, or traffic tickets.

  5. Does the Fair Debt Collection Practices Act apply to banks or credit card companies? No. Only third-party debt collectors are bound by the FDCPA. Original creditors, such as banks and credit card companies, are not bound by the FDCPA.

  6. Are there state laws that protect me from original creditors? Yes! Several states also have laws that provide their citizens an additional layer of protection. If you live in California, Connecticut, Florida, Kansas, Massachusetts, Michigan, Missouri, Montana, North Carolina, Nevada, Oklahoma, Pennsylvania, Texas, or Wisconsin, you have additional state-law rights.

  7. Are mistakes on credit reports common? Yes! Are you one of the 40 million Americans who have a mistake on their credit report? Mistakes on your credit report can be very costly.  Along with causing you to pay higher interest rates, you may be denied credit, insurance, a rental home, a loan, or even a job because of these mistakes. Some mistakes may include someone else’s information on your credit report, inaccurate public records, stale collection accounts, or maybe you were a victim of identity theft.

  8. What do I do if I have a mistake on my credit report? If you have a mistake on your credit report, there is a process to dispute them. My office will help you pull your credit report and dispute any inaccurate information. If a credit reporting agency violates its obligations under the Fair Credit Reporting Act (FCRA), you may be entitled to statutory damages up to $1,000.00, plus the credit reporting agency will be required to fix the error. The FCRA also has a fee-shift provision, which means the credit reporting agency pays your attorney’s fees and costs. Therefore, you will not pay me a penny for my time. To speed up the process, please get a free copy of your credit report at www.annualcreditreport.com. You can also learn more about the FCRA and your rights at http://www.agrussconsumerlaw.com/practices/common-credit-report-errors/

Share your Complaints against Select Portfolio Servicing Below

We encourage you to post your complaints about Select Portfolio Servicing. Sharing your complaints against this agency can help other consumers understand what to do when this company starts calling. Sharing your experience may help someone else!

HERE’S THE DEAL!

If you are being harassed by Select Portfolio Servicing over a debt, you may be entitled to money damages – up to $1,000 for harassment, and $500 - $1,500 for illegal robocalls. Under state and federal laws, we will help you based on a fee-shift provision and/or contingency fee, which means the debt collector pays your attorney’s fees and costs. You won’t owe us a dime for our services. We have settled thousands of debt collection harassment cases, and we’re prepared to help you, too. Contact Agruss Law Firm at 888-572-0176 to stop the harassment once and for all.

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Submitted Comments

My mortgage was sold to SPS a few months after I purchased my home. I've been tracking the amount I paid towards principal, and recently began making much larger extra payments towards principal. On my spreadsheet, I noticed my total principal payments did not match theirs - it was off by several thousand dollars. I called and spoke to a rep for nearly two hours as we went over each principal amount paid month-by-month. He came up with the same total I did, and said he's have to take it to a superior for further review. That was it. I filed a complaint with the CFPB, and yesterday received a response from the SPS that was merely defensive and did nothing to honor my request for a firm review of these payments towards principal to get to the bottom of this discrepancy. I've researched them and found many people with similar unfortunate stories about this company. We need someone to muscle them into proper dealings with their customers.

Michael Agruss Headshot

Hi Cindy. I have heard similar stories to yours about the way Select Portfolio Servicing does business and I can understand your frustration. I would be happy to speak with you about this and we discuss your options in dealing with them. I will be in touch or you can reach me sooner at 888 572 0176. Thanks, Mike

I believe SPS is acting in poor business practices with this loan and unfortunately, I am the one reaping the consequences. The line of credit was established in 2007 or around that timeframe. I think the line of credit was later transferred to SPS. John and I divorced in 2010. In July 2017, I noticed an entry on my credit report. At the time my credit score was 740+. I contacted SPS to inquire about this loan & advised them that my ex-husband is responsible for this debt. The person I spoke with was not helpful & uninterested in the facts of this matter. I told her I had absolutely no knowledge of this debt after 2009 and thought it was paid off. I also contacted John Johnson, my ex-husband, to advise him that he was in default of the loan and had not adhered to the judgment in the decree. That correspondence is listed below. Even without the decree, I am not sure as to how SPS essentially re-upped or reestablished a loan from over 14+ years ago. The home was foreclosed I believe (my husband was awarded the home in Georgia in 2009). But it has been sold and refinanced at least four times since then. Either way, it seems as if they are violating credit laws of 7 years to more than double that in this case. You know more about that than I do. https://www.redfin.com/GA/Ellenwood/2183-Boulder-Forest-Dr-30294/home/23867658

Case Details: 11/30/2005 I signed the mortgage in question with LONG BEACH MORTGAGE COMPANY which was the Specialty Home Loans division of WASHINGTON MUTUAL BANK (both owned by WASHINGTON MUTUAL, INC). It was a really bad 80/20 loan with high interest on both loans. (hindsight is always 20/20) 12/13/2005 Said mortgage was recorded with the Cook County Recorder of Deeds in Illinois receiving document numbers XXXXXX2022 in the amount of $61,600 for the 80% loan and XXXXXX2023 in the amount of $15,400 for the 20% loan. OCWEN LOAN SERVICING, LLC (Ocwen) was the original servicer of both loans. 02/10/2010 DEUTSCHE BANK NATIONAL TRU (Deutsche Bank) who is trustee for LONG BEACH MORTGAGE COMPANY filed a Foreclosure in Cook County Illinois listing myself and JPMORGAN CHASE BANK, NATIONAL ASSOCIATION (Chase Bank) (the servicer of the loans at that time) as the defendants. I have no idea when Chase Bank became a servicer of the loan. 11/13/2010 I signed a loan modification with Chase Bank to save my home. The new principal balance of my Note was $92,576.86 with $8,800.00 of said New Principal Balance deferred and the Interest Bearing Principal Balance in the amount of $83,776.86. Said loan modification was never recorded with the Cook County Recorder of Deeds in Illinois and therefore has no document number. 01/26/2011 DEUTSCHE BANK NATIONAL TRU voluntarily dismissed, non-suited or dismissed by agreement the foreclosure previously filed 2/10/2010 listing myself and Chase Bank as defendants. 09/30/2013 I sent a letter to Chase Bank explaining my then financial situation again and asking for further assistance by way of possibly reducing monthly payments, relieving the past due balance, reducing the principle balance or deferring some payments. 10/11/2013 I received a Validation of Debt Notice from Select Portfolio Servicing, inc. (SPS) stating my debt owed to be $86,151.02; listing $74,312.73 as the Unpaid Principal Balance, $8,800.00 as the Second Principal Balance and also listing interest, late charges and an escrow advance. Said notice also stated that they had recently advised me that the servicing of my mortgage was transferred to them. This notice was actually the first mailing I received. I received no notice from Ocwen nor Chase Bank advising that they would no longer be my loan servicer(s) and have never signed any new agreements with SPS. I also honestly did not give a lot of thought to the notice because I was again experiencing severe financial hardships and focusing on day to day survival. I do, however, save almost every notice I receive pertaining to my home. 02/07/2014 I signed a forgivable loan agreement with the Illinois Hardest Hit Fund Homeowners Emergency Loan Program. 02/19/2014 Chase Bank executed an Assignment of Mortgage in the amount of $15,400 to Deutsche Bank as Trustee for GSMAP Trust. This Assignment of Mortgage was recorded with the Cook County Recorder of Deeds in Illinois on 04/23/2014 document number XXXXXX7011. 02/24/2014 Illinois Hardest Hit Fund Homeowners Emergency Loan Program paid $2.005.72 to SPS to reinstate my loan. 03/03/2014 Illinois Hardest Hit Fund Homeowners Emergency Loan Program (Hardest Hit) paid the first of 18 monthly payments in the amount of $330.67 to SPS. My monthly contribution amount was $0. 03/27/2014 Deutsche Bank, as trustee for GSAMP Trust executed an Assignment of Mortgage in the amount of $15,400 to MTGLQ Investors, LP. This Assignment of Mortgage was recorded with the Cook County Recorder of Deeds in Illinois on 04/23/2014 document number XXXXXX7012. Both entities are listed as being serviced by Ocwen Loan Servicing. 03/27/2014 Ocwen dated and notarized an Illinois Release of Mortgage. 04/15/2014 Ocwen mailed me a 2014 Substitute 1099-C Cancellation of Debt listing the amount of debt discharged as $15,333.55. This amount appeared to me to possibly be the balance remaining on my 2nd mortgage. 04/23/2014 Ocwen prepared and recorded with the Cook County Recorder of Deeds in Illinois an Illinois Release of Mortgage document number 1411317013. 08/22/2014 Ocwen mailed my a Release of Lien Notice along with a recorded copy of the Illinois Release of Mortgage. August 2014 Sometime in August I called SPS about the Cancellation of Debt I received from Ocwen to ask when the balance of my loan would be adjusted. I have not but if needed I may be able to locate my hand-written call notes from that 08/2014 phone call and be able to provide the name of the rep I spoke with. 10/01/2014 I received a letter from SPS informing me that they received my telephone inquiry about an alleged error in servicing and that they would provide a response within 30 days. 10/03/2014 I received a letter from SPS informing me that I was in default under the terms of my mortgage and they offered to help me; even though they were at the time being paid by Hardest Hit Illinois on my behalf at that time. I never received an answer to my inquiry regarding the balance of my loan so I felt as though I needed to be in good standing before I could discuss any dispute. 03/02/2015 Ocwen mailed me a 2015 Substitute 1099-C Cancellation of Debt listing the amount of debt discharged as $15,333.54. I assumed this to be the same debt cancelled on the 2014 Substitute 1099-C Cancellation of Debt dated 04/15/2014. By June 2015 SPS had returned all payments received by them on my behalf from Hardest Hit. I and my Hardest Hit representative fought back to have those payments re-applied. I again questioned SPS regarding the balance of my loan during this time to which no answer was given. I then called Ocwen to confirm the cancellation of debt and request that confirmation in writing. 06/22/2015 The Hardest Hit program paid a reinstatement amount of $28,354.13 to SPS (per a letter from Illinois Hardest Hit dated 06/18/2015). It does not seem as though this amount was applied to my loan. 07/01/2015 SPS applied $2,976.03 to my account and resumed accepting the monthly amount of $330.67 paid on my behalf by Hardest Hit. 07/07/2015 Ocwen mailed me the letter I requested confirming it's decision to release the aforementioned lien on my property advising that said lien release was as of 04/10/2014. I again called and questioned SPS about the balance of my loan and no answer was given; I figured I didn't have a leg to stand on since I wasn't making my payments myself. 04/01/2016 Somehow my monthly payments due to SPS were reduced from $330.67 to $294.74 starting on this date. Don't recall what prompted that. 06/01/2016 Hardest Hit made it's final payment to SPS in the amount of $294.74. It ultimately took longer than the 18 months the program typically lasts because of SPS returning previous funds paid by Hardest Hit and the fight to get the payments back on track. June 2016 Being gainfully employed again and recovering well from years long depression I filed for a chapter 13 bankruptcy in which I did not include SPS. During my bankruptcy I made a large majority of my loan payments on time. 12/07/2018 I lost my job and went on unemployment during which time I continued to make on-time mortgage payments until 06/01/2019 when unemployment ran out and I had not yet found gainful employment. 09/06/2019 I was again employed and began to make double mortgage payments (except for Dec 2019 due to the holidays) until I was completely caught up by March 2020. (The Feb payment which finally caught me up was actually paid via phone on Feb 27, 2020 though it's reported on my credit reported as having not been paid until March 1, 2020 thereby adding another month of late pay.) 04/30/2020 I received a letter, per my request to clarify the owner of my mortgage, from SPS informing me that Deutsche Bank is the owner of my account and that SPS is the servicer for the loan. 05/06/2020 I called SPS and spoke to a rep by the name of Olinda to dispute the amount of my mortgage balance again. The representative took my dispute via phone and I provided the document numbers of assignments of my mortgage and the recorded release of lien. At the time the representative did mention the 2010 Modification I signed which I did not remember and even more odd did not, at that time, have a copy of. They have since sent me a copy of that modification and I have verified that it does contain my signature which is why I listed it in this timeline above. 06/12/2020 I received a letter "in response" to my dispute only it listed me as having disputed my mortgage modification which I merely stated I could not recall and requested a copy of to verify that I signed it. Their "response" again said absolutely nothing about my disputing the balance of my loan. Besides years of depression and poverty pulling my focus and energy toward daily survival for myself and my 3 children who were very young through it all, it took a long time for me to decipher and understand all the entities involved in my mortgage and be able to paint the above picture via this timeline. I had to get on my feet before I could tackle understanding this; not that I understand it fully now. However, with the cancelled debt, payments made by Hardest Hit and the payments I've personally made myself I do not understand why as of today I have an outstanding principal balance of $70,378.82 nor why the original loan amount listed on my credit reports is $61,600 which was only the original amount of the 1st mortgage loan without the $15,400 2nd loan even though I signed a modification for a higher loan amount. The balance of my loan in comparison to the original balance listed has long negatively effected my credit resulting in higher interest paid in financing, lower credit limits and loans being denied. This is all very confusing and frustrating. I believe that the principle balance of my loan should be much lower and that I've possibly paid more in interest than I should have been paying and that my original balance should be listed as higher unless an adjustment has been made for the cancelled debt which would further lower my balance. If I am wrong I would at least appreciate an answer to my many inquiries throughout the years regarding it and an explanation of why I owe more than 100% on the loan. If it turns out I'm correct I would like this corrected as soon as possible and reflected as such on my credit report. Notes: Since getting back on track in March 2020 I have continued to make on-time payments. Also every document or letter listed above is available upon request.

We were Countrywide, Bank of America and sold to SPS in the middle of a loan modification! We’ve submitted over 12 applications for modification (several by HUD agencies). They filed for foreclosure in 2011 but just keep requesting documents. On 8/6/2021, they write they have all documents for a review and then they start phone calls saying they need “this and then that”! Latest is they need documentation for “unemployment “ and we’ve told them since 8/5/2021 in writing and verbally that there is no unemployment. Husband is the only one on loan but we are both on deed. We are 70 and 71. On the one hand they say they are reviewing for modification and on the other they set a sale date. Interesting Note- attorney on case also works for BAC and is our NEIGHBOR - she referred us to an attorney to go against BAC.

Michael Agruss Headshot

Hi Sandra. As this is a unique situation, and I need some more details from you, I will give you a call to discuss your troubles with Select Portfolio Servicing and Bank of America. You can also reach me at 888-572-0176, as well. Thanks, Mike

I sold a property and SPS paid off the incorrect loan, I have two loans with them. For about 3 months now I have been calling them to fix this and getting no response back. In the meantime, they have been robocalling me (because i haven't paid them) and sent me a notice of default.

Like many others they have misrepresented that they will extend my loan to cover the payments missed at the end of my COVID related forbearance and now they won't and want me to apply for a loan modification and we all know how those turn out. I am considering suing them.

Michael Agruss Headshot

Hi Steven. Unfortunately, many consumers are dealing with this exact issue following the ongoing pandemic. Consumers do have rights and options under the law--let's talk more about it when I give you a call. Thanks, Mike

mail outer mail outer mail call call and call and win my mother pass. I told them but and they still call and still send mail so I told them she is no longer with us stop sending mail and to stop calling for her they New then she was not here no more thankyou

Michael Agruss Headshot

Hi Steve. Did your mother owe a debt to Select Portfolio Servicing? Did she have an estate set up for her bills following her passing away? I would be happy to talk this over with you and I will give you a call. Thanks, Mike

I've been trying for almost a year to get SPS to help me with a loan repayment plan, anything to help me get back on track . It has been a nightmare and now they call all the time to collect a debt and state that the house is on a foreclosure list . No sale date at this time but that the loan has been sent to the attorney for collections .

Michael Agruss Headshot

Hi Yvonne. I'm sorry to hear that you're dealing with the potential loss of your home, I'm sure it is frightening. I would be happy to discuss your options and I will be in touch soon. If you need to speak with someone sooner, feel free to give us a call at a time that is convenient for you. Thanks, Mike

Had loan modification. Now when I try to refinance I'm told that what ever they did to me dose not let them refinance at a lower payment.

Michael Agruss Headshot

Hi Charles. Typically, loan modifications do not prevent a consumer from refinancing their loan. As long as a consumer meets all the requirements set up by the lender, they should not deny refinancing. Have they stated what their requirements are and if you do not meet them? Do you have a contract available to look over? If you do, you can send it to my office at [email protected] and I will look it over. I will then give you a call. Thanks, Mike

will not correct my credit report after chapter 13 discharge

Michael Agruss Headshot

Hi Henry. Unfortunately, this is a common practice when debt collectors are trying to get you to pay even though you are not legally obligated to do so. If the creditor isn't willing to correct your information, they could be in violation of the bankruptcy discharge injunction and you should think about contacting a bankruptcy lawyer. If you would like assistance with this, give my law firm a call. We have dealt with issues like this and we are experienced in dealing with Select Portfolio Servicing. We may be able to help you as well. I will also reach out and I look forward to speaking with you. Thanks, Mike

Came up with a repayment plan higher than our income after covid

Michael Agruss Headshot

Hi Pamela. Debt collectors are often under the gun to collect on debts and to meet their quota they will often make these payment plans out of reach for many consumers. Fortunately, you do have options. Please feel free to contact my office so we can discuss what you may be able to do to deal with this debt. Thanks, Mike

Spc serving using my mortgage payment towards escrow and paying taxes telling me i best pay more mortgage then iwed and holding mirtgage payment instead of putting towards mortgage. Also extreme amount to put in escrow amt. They will not give me itemized statement of where all the monies have gone to

Michael Agruss Headshot

Hi Micheline. You have the right under the law to demand a debt validation letter so you understand your debt. I can help you with this. Give my law firm a call and we can discuss this in a no-obligation, free consultation. Thanks, Mike

My wife and I are terrified of SPS after noticing they are rigging the credit bureaus

Michael Agruss Headshot

Hi Mike. I can certainly understand your concern and I would be happy to talk with you about this. I will give you a call. Thanks, Mike

They have been giving me trouble regarding my forbearance for months. I do nothing right and keep having to send more information. I was promised that the money owed after the forbearance was up would be at the end of the loan and now they want it NOW.

Michael Agruss Headshot

Hi Jennifer. Debt collectors always want their money ASAP and they aren't afraid to bully consumers into thinking they're in trouble if they don't pay up right away. Fortunately, you have rights and I can certainly discuss those with you. Please feel free to contact my law firm, we are experienced in dealing with Select Portfolio Servicing. Thanks, Mike

My loan was transferred to SPS for servicing. They charge me a fee to pay online. This was not a part of my initial mortgage agreement where I was allowed to pay online fee free. . Is there something that can be done? Also, the agents are rude and call even though my payments are not (and never have been) late and I have my preferences set for them to not call me. I really need another servicer.

Michael Agruss Headshot

Hi Keita. Were you provided with documentation that your loan was legitimately transferred? You can write or call to the original loan servicer to verify if it was a legit transfer if you did not receive the "goodbye" letter from your old servicer. A new servicer cannot change the terms of your mortgage, but you should review your contract to ensure that the lender is not crossing any legal lines. Many mortgage contracts prevent servicers from collecting a fee for online or phone payments. Because of this, there have been a handful of class action lawsuits for this very reason. I will reach out to you and we can talk more or you can call me sooner at your convenience. Thanks, Mike

SPS threw me into forbearance/deferral without my consent or knowledge. I contacted them immediately and requested they fix the problem in May 2020. I’m still fighting with them to get it removed from my account so I can refinance. They claimed they sent it to the wrong department. The worst part is they recorded a short payment on my account in May 2020 as a way to throw me into deferment. You can clearly see where I made the payment on time. They continued to withhold my on time payments each month to apply the payment to the following month. I have file complaints with the state and federal but SPS refused to acknowledge I contacted them saying I knew nothing of requesting a forbearance, I didn’t want or need a deferment/forbearance and I wanted it removed. They never addressed the fake short payment they put on my acct and they never addressed their error in sending the removal request to the wrong department. There are quite a few more details but I tried to give a summary of the problem.

Michael Agruss Headshot

Hi Stephany. It sounds like Select Portfolio Servicing dropped the ball here and it is affecting your credit. The worst part is that they aren't taking this seriously, either. I would like to speak with you about the additional details so we can determine what options you might have in this situation. Please give me a call and we can discuss this in more detail. Thanks, Mike

SPS took over my 2nd mortgage. The last payment to the original lender is in dispute and SPS reported a missed payment to the credit bureaus. I have provided them with proof of payment, they are not taking care of the problem. Worst company I've ever had to deal with. Can you help me?

Michael Agruss Headshot

Hi Michael. Has Select Portfolio Servicing stated why they won't take care of the problem? I would be happy to talk more about this with you to determine what options you might have. I am going to give you a call but you can also contact my law firm at 312-224-4695 when you have some free time to talk. Thanks, Mike

Are you licensed to operate in NC. Please let me know.

Michael Agruss Headshot

Hi Yvonne. I will call you and we can talk about this and your possible case. Thanks, Mike

My mortgage was recently sold from Seterus to SPS. So when i got my statement (first one) there is a charge for a deferred principal of $36000.00 + my original balance of $81000.00. When i called to ask what the crap was a deferred principal the lady couldnt tell me. She just said to file a dispute with SPS. Can you help me?

Michael Agruss Headshot

Hi Kelly. That is an outrageous amount! A deferred principal is also known as a forbearance and allows a borrower to postpone interest payments for a period of time. Did you have a forbearance with Seterus at any point? Let's talk about this and see what we can do to help. I will call you or you can contact my office at 312-224-4695. Thanks, Mike

I am disabled with multiple sclerosis I purchased my home in 1998 with Sovereign Bank mortgage I put 50k down I refinance around 2003 with countrywide home loans since then it’s been a big are and disaster I was in the hospital when papers were apparently served that a housecleaning person took I had no clue about them my house was sold and some Indian man just walked in asking me for my ID saying he owns my home now?!? Please help!

Michael Agruss Headshot

Hi Jason. I'm sorry to hear that you're dealing with this devastating situation on top of health issues, it certainly can't be easy. I need to get a few more details in your unique situation and my office will call you to discuss what we may be able to do to help. I look forward to talking with you. Thanks, Mike

We had Select Portfolio as a mortgage lender.In the entire duration of our loan we were never late or missed a payment.We paid our loan off in good standing on Oct.24,2020. Ths problem we are having is that they will not release the title at the County Clerks office so it can be recorded as ours. They keep giving us the run around.Can you offer me any suggestions on how to proceed? I complained to the BBB and we did receive a copy of ths release of deed,but it is only a copy.Thank you. .

Michael Agruss Headshot

Hi Molly. Did you receive a certificate of satisfaction that the mortgage was paid in full? I will give you a call to talk about how you should proceed. Thanks, Mike

trying to forclose and will NOT responf to loan modification

Michael Agruss Headshot

Hi Danny. Do you have any paperwork with Select Portfolio Servicing? I would like to look it over and then discuss you situation further with you. I am going to give you a call and you can also reach me at 312-224-4695. Thanks, Mike

Accused of non payment yet when information faxed as well as mailed...no return recipient either...not response...I keep calling with nothing happening

Michael Agruss Headshot

Hi Donna. I'm sure this is exceptionally frustrating for you, I would be quite livid if this was the behavior of someone I was doing business with. I will call you to discuss your situation and see how we might be able to help you. Thanks, Mike

I am behind in my Mortgage payments. And they won't a mortgage formation papers fill out.I was told it was a waste of time filling those paper's out.my husband pass and I only gets 800 dollars a monthly. I was laid of work due to this disease covet 19...they are rushing me to fill out papers to low my payments or I am going in for close. They are going to take my home. And my grandson and I have no place to go. My payment they officey me is over $800 dollars. And they won't go down on the price. Well Fargo gave them my house, to collect money for them.I can't get anything in credit. No loans or anything. And NY credit was great. I never missed a payments with DCH CREDIT UNION which is now Red Oak credit union.and they will not let me borrow money from them.world loan finance call every day. I just don't answer. I will never delectz

Michael Agruss Headshot

Hi Lena. I'm sorry that you're going through some hard times and I would be happy to see how I can help you. Please reach out so we can discuss your situation further. Thanks, Mike

We asked for 3 payments to be put on the end of loan. Due to the pandemic. Now we got a letter stating we owe the payments plus interest by 2/1/21 or they will foreclose on the house we have been on time with all payments since they bought are loan from HFC

Michael Agruss Headshot

Hi Tim. This pandemic has affected so many people and I can understand that you're worried about losing your home. The law is always changing and you may have options regarding this loan. Please feel free to contact me and we can discuss your situation in more detail. Thanks, Mike

its a long story but we have been being harassed by sps for 8 years and are trying to do a bankruptcy. I also feel m bankruptcy lawyer is incompetent

Michael Agruss Headshot

Hi Robert. You deserve to have proper representation in your bankruptcy case. If you feel that they are not representing you properly, you have every right to seek different counsel. This can delay your case, impact your costs, and create additional work for you, which can also be frustrating. If you'd like to discuss your options, you can contact me for a free consultation, I may be able to help you. Thanks, Mike

I hit wrong button, they want to take over my Insurance.I'm DONE with these people, they take my ACH out 4 to 5 days early.I stopped my ACH and I'm going to PAY my own taxes now . 10/1/20 they will only be getting their Principal and Interest payment only , I'm looking forward to hear from you.

Michael Agruss Headshot

Hi Ron. I would like to talk more with you about this to get a few more facts. I will be in touch. Thanks, Mike

SPS is third loan servicer on my second mortgage. Received a letter to say my balloon payment of $24,000 was due 8/2021. The orginal loan amount was $30,000 in 2006. I've paid them for the last 2 years faithfully. I never signed a balloon payment mortgage. I never signed anything regarding this loan since 2006. Any assistance would be appreciated.

Michael Agruss Headshot

Hi Cinnamon. Do you have the contract that states where your payments were going, such as towards the principal, the taxes, interest, fees, etc.? I would be happy to review your contract with Select Portfolio Servicing and see what rights you have. Please feel free to send the contract over to my office and I will reach out to you. Thanks, Mike.

Never had a mortgage with this company, and they are constantly harassing my mother by text trying to reach me. Ton idea who they even got her information or my name

Michael Agruss Headshot

Hi Amanda. It's actually quite easy for debt collectors, loan servicers, and others to get that type of information online. Have you talked with them to request information about the mortgage they're claiming you have? I will give you a call or you can reach me sooner at 312-224-4695. Thanks, Mike.

my loan was increased over 30k

Michael Agruss Headshot

Hi George. Can we discuss this matter in more detail? Each case is different and I would like to get the specifics on your case to see what rights you may have. Please feel free to call my office at a convenient time for you at 312-224-4695 or I will reach out to you. Thanks, Mike.

Select Portfolio Servicing has greatly impacted my life in a negative way I wish I could put as much negativity on them as they did on me. they stole my house after a agreement with my Pryor loan company for a forbearance they let me get a year or so behind I wanted to tell me that they were the new servicers of my loan and they didn't take partial payments and I owed $13,000 before they would take any payment at all. Now I can't get on with my life because they are showing 2 loans on my credit.

Michael Agruss Headshot

HI Patricia. I'm sorry you're having issues that are so greatly affecting your life. I would like to try and help you get things turned around. It is a no obligation consultation and I can review the unique circumstances of your case. Please reach out at 312-224-4695. Thanks, Mike.

We have been trying for months to make a payment on our loan. I mailed the statement with a check to the address on the statement in their envelope. Claims they NEVER received it. I stopped payment on that check and my husband used his debt card to tr and pay it. Wouldn't go through according to them. I then tried it with my debit card and they told me it was paid and current. I kept waiting for the amount to come out of my account, NEVER DID. I called only to be told I'd have to get a Cashier's Check from my bank. Which I did and mailed to the address they told me. I received a new statement and it says we are way behind. I called and now they are saying that the check was shredded due to the account not being good. It was a check from the bank. What do I do. I can't afford to be several months behind and I'm scared to send money because I don't know where it is going

Michael Agruss Headshot

Hi Elizabeth. That is definitely a frustrating and annoying situation. I can understand your reluctance to send any further payments until you're sure where the money is going. I can look into this for you and see what we can do. I will give you a call or you can reach my office at 312-224-4695. Thanks, Mike.

Chase sold my mortgage to SPS, do I need to pay mortgage

Michael Agruss Headshot

Hi David. When a loan provider sells your mortgage to another company, that company then becomes your mortgage servicer. The new servicer will process the payments, send monthly mortgage and year-end tax statements, notify you about account updates, and if it is applicable, manage your escrow account. Are you having difficulties with Select Portfolio Servicing? We can talk more about this when I give you a call. We will talk soon, thanks. Mike.

please call me to discuss further

Michael Agruss Headshot

Hi Kimberly. I will give you a call or you can reach my office to discuss your case with Select Portfolio Servicing at 312-224-4695 Thanks, Mike

Sps did me so wrong my writing will be very long I really need help with my situation which I hope I can find

Michael Agruss Headshot

Hi Gwendolyn. I would be happy to review your case and discuss it further with you. The consultation would be no obligation. Thanks, Mike.

I have Paying On my loan every cent 2008 Select portfolio Says My balance Is $30,000 That is not right

Michael Agruss Headshot

Hi Samuel. How much was the original loan for? Have they given you a breakdown of what your payments are going towards, such as the principal, the interest, taxes, etc.? I will reach out to you and we can discuss this in more detail. Thanks, Mike.

My mortgage was sold to select portfolio servicing about 4 years ago by hsbc.during that time my payments have went up,not down.and I'm way past the 2nd half of a 30 yr.fixed mortgage at 6.9 fixed interest rate.every time ive put extra on principle it gets put in as unapplied late fees or other fees!personally I dont recall ever being late.I feel they are sheisters and my balance is too high,and payment too high.I really don't want them holding my mortgage anymore.can you help.

Michael Agruss Headshot

Hi Kevin. I would certainly be frustrated with them as well. Have they provided you with a breakdown as to where the payments are going? If you have that paperwork, you can send it to my office at [email protected] and I can review it. We can also have a no obligation consultation to see how I can be of help to you. Thanks, Mike.

SPS credit Suisse toxic mortgage

Michael Agruss Headshot

Hi Robert. Are you having issues with Select Portfolio Servicing? I would be happy to discuss your issues further if you reach out to my office at 312-224-4695. Thanks, Mike.

I purchased my home2006 with country wide investments that eventually was serviced by chase I did a modification 2011 and they raised my balance from purchase price 268k to 315k after modifying an addition I have to pay a balloon payment of 175k after mortgage is paid all while value at that time was under 200k.. I have been in my home 15 years and owe more than I purchased my home because of the illegal modification. They have me paying interest in interest with added balances. If you need my documents I have available.please help me and my family out. I would like a principal reduction and removal of balloon payment.

Michael Agruss Headshot

Hi Javier. I would love for you to send over the documents to my office at [email protected] I can review the documentation and see what help I can offer. There are options out there and we can advise you on what your best course of action may be. Thanks, Mike.

After my mortgage Sold to this company. I was told that I am in a forbearance Rather than deferment because of being laid off due to corona pandemic. When asked what the guidelines are to receive the deferment I was told that the investor holds all the cards for the mortgage. There is a lot of exposure because I’m not talking to the person who makes the decisions. I need someone who understands my options so they don’t take advantage of my and my family while we are in this situation

Michael Agruss Headshot

Hi Kurt. Unfortunately, your story is not unique, this pandemic has put a lot of people in the same situation. I would be happy to see where I can help you and make sure that you and your family aren't being taken advantage of. I will reach out to you or you can reach my office at 312-224-4695 what it is convenient for you. Thanks, Mike.

Modification to have lone increase our loan and extended pay off date

Michael Agruss Headshot

Hi Camellia. I'm sorry to hear that you're having issues with Select Portfolio Servicing. My law firm is experienced in dealing with them and other debt agencies, so please feel free to call for a free, no obligation consultation at 312-224-4695. Thanks, Mike.

I was constantly harassed by SPS services. Called everyday for five five years, when I told them I had trouble paying several times over the phone. They called 7 days a week at one point. I have finally paid off both the primary and secondary mortgages. The secondary mortgage just matured this year and I still had to pay 90% of the original loan value. Something isn’t right here. And now they won’t take late payment marks off my second mortgage. It’s all paid and in full in good faith they said they would and then when I paid it all they said they stopped reversing the negative credit reports for late payments a couple years ago. Very upset with them.

Michael Agruss Headshot

Hi Edwin. Your situation sounds like some others I've dealt with and I can understand being upset. I would like to see how I can help you and determine how we can clean up any negative credit reports. My office number is 312-224-4695 but I will also give you a call as well. Thanks, Mike.

Select Portfolio Servicing purchased my loan from Capital One who had purchased it from ING Bank. My loan is in an adjustable rate mode and changes every year based on the LIBOR. SPS is coming up with my new payment based on speculating what my principal will be on the date that my payment is supposed to change and is reading the LIBOR 45 days before the rate change is set to take effect. The existing note reads completely different from how they are choosing to calculate the new payment. I make additional payments on my principal, so how can they possibly speculate what the principal will be. They have to read the principal and rate according to the directions on the original note. They have not successfully provided me with any original note documentation showing how/why they are reading this data on the dates that they are choosing. You can't just pick dates out of the air. It has to be accurate. Please help.

Michael Agruss Headshot

Hi Tina. It can be very frustrating when you request information and you don't receive it. I would like to talk about this a bit more and determine how I can help you deal with Select Portfolio Servicing. I am going to reach out to you or you can give my office a call regarding this loan at 312-224-4695. We will talk soon, Mike.

Hello Agruss Law Firm: I would like to ask if someone can assist me with trouble I am experiencing with Select Portfolio Servicing. My mortgage was sold to SPS and my principal balance is now at $205K which way more than the value of my home. I am also retired, and feel that there are many violations in which SPS has made regarding my mortgage. Can someone please contact me via email to discuss my legal options and to help me determine if I have legal claims against Select Portfolio Servicing. I am happy to send over any documents needed. I am also in a current "modified" plan where I will be faced with paying a huge balloon payment towards the end of my mortgage. Thank you for your time and assistance. Marla

Michael Agruss Headshot

Hi Marla. I would be happy to review your interactions with Select Portfolio Servicing and determine what violations they may have committed against you and what your legal options may be. I will reach out to you, or you are welcome to give my office a call when you have some free time. Thanks, Mike.

SPS has unlawfully denied me a HAMP Tier II, In-house loan modification, assistance with the hardest hit program, the 2017 Department of Justice Credit Suisse Settlement for consumers all so that they could take my home. Their loss mitigation department just gives you the run around. They make multiple misrepresentations, omissions and use trickery and deceit when handling borrowers/homeowners. They are running a mafia type organization out there in Utah with reckless abandon. Homeowners who have them as their mortgage loan servicer don't stand a chance. SPS is a debt collector hiding under the guise as a mortgage loan servicer. All they want is the house! And, they will get the house by hook or crook. This is nothing but an old school shakedown by way of fraud. The US government is very well aware and will tell you that this is a civil matter but this is far from a civil matter this is criminal racketerring at it's highest order.

Michael Agruss Headshot

Hi LaTasha. There are many complaints against the practices of mortgage providers and Select Portfolio Servicing is no different, especially when it comes to communications. Our law firm is experienced in dealing with this type of behavior and I would be happy to review your case with no obligation. Please give me a call at 312-224-4695 or I can call you as well. Thanks, Mike.

Hi. My name is Charles and I am Praying you read my story as I desperately in need of help. If you look up Select Portfolio Servicing, you will find more unreal stories. I am one of the victims. As this fraud started when SPS took over my home loan January 2014. 108 thousand dollars left on loan. I always made our loan payment on the 16th of each month and carried my insurance. December 2014, SPS sent back my payment with a statement that I was in foreclose. I called to find out what was going on. I was told SPS had placed insurance on our home and because I did not pay extra insurance on our loan, it put the loan behind. January 2015, I sent proof of my insurance with farmers. This is when SPS stated I could not carry my own insurance. I kept paying my insurance until SPS sold our home to themselves . February 2015 SPS sent a notice of a sale date and a reinstatement amount of just over 12 thousand dollars. I kept calling SPS about the mistake as they kept telling me there was no mistake. As I was raising my grandson, running my business as a subcontractor for __ and tried to find an attorney. By September 2015, SPS stated I owed a little over 16 thousand dollars, and a sale date in November 2nd 2015. With not being able to find a attorney in town, I was forced to get a cashers check of 18 thousand dollars and overnight it, October 2nd 2015. I called SPS to make sure they received the check. SPS did receive the check and stated I would be paid up till February 2016. February came and no reinstatement. I called SPS and requested that the 18 thousand dollars be applied to my account or send it back. SPS stated that 18 thousand dollars went to attorney fees. I ask what was going on, and told SPS this was all fraud. The very next week SPS sent a statement, stating I owed an additional 22 thousand dollars. This is when I began to get very ill, but felt I did not have the time to go to a doctor. Out of the blue an attorney calls our home, stating he got my information from SPS data. This attorney, (William of, Kethner Law) stated he could fix it all and stop the sale of our home for 1500.00 dollars. As I was very desperate and did not know what else to do, I sent the money, March 2016. Buy June 2016 nothing had been done and every time I called, he became more rude. in fear of losing our home to the new sale date, I fired him and kept looking for another attorney. In trying to buy more time I sent an additional 10 thousand dollars to SPS. SPS sent a statement stating they would not be applying the money and never sent the money back. March 2017 I had to apply for a loan mod and show proof of insurance. I sent proof of insurance and made four months payments of 780.00 on the fourth month, SPS sent a letter stating I no longer qualified for the loan mod. SPS never applied the payments or sent them back. As I became more ill and started asking for the pay off amount. SPS stated 127 Thousand now. I had to hair an attorney in___ (Patrick) who stated he had to file a bankruptcy to stop the sale of our home and then would file a lawsuit. I had to pay 14 hundred dollars a month up till October 2018. Again none of the payments were applied, no lawsuit was filed and had my first heart attack and the doctors found I have a abdominal aorta aneurysm. With 30 thousand dollars never being applied to our home loan SPS took our home December 2018. Now coughing up blood and had another heart attack. Wile in hospital human services helped me find an attorney. I had to use the last of my savings and now have lost my business with ____. Manual Fobi filed a lawsuit, 12/22/2018 only to find 03/12/2019 the Judge said I could not file twice. I don't have a clue of what he was talking about and lost that attorney. Wile trying to get help myself, I was given four days to get everything out of our home. Due to medical issues, that was imposable and November21st 2019, the Sheriff's locked me out with fifteen days to get the rest of our property per notice and SPS had a crew come to our home on November 23 and hauled our belongings and business inventory of over one hundred fifty thousand dollars, all off to the Dump. Sheriff's Report's 2019-00188377 and 2019-00188395 Now I just found I have tumors in my adrenal glands, and need surgery at UCLA. I have lost guardianship of my Grandson, our home, our things, like personal pictures of a couple presidents and one hundred and fifty thousand in business innovatory. my credit. I cant even rent a place to live and have to live in a friends garage. The deed that i have is a grant deed in which I have just found, has been changed sometime in December 2018, to something called a deed of trust. I have never done this before but do to cancer now, i am in need of any legal resources, I need this more than ever before SPS sales our home I have the proof of everything I have just stated. Thank you for reading our story, and GOD BLESS Sincerely Charles

Michael Agruss Headshot

Hi Charles. I'm so sorry that you've had such a difficult time with Select Portfolio Servicing and other lawyers who gave you the runaround. My law office is experienced in dealing with these types of issues and I would be happy to review your documentation to see what legal rights you have. Please feel free to contact me at 312-224-4695 and we will go over your story in more detail. Thanks, Mike.

This is with Nationstar Mortgage. They were misapplying my principal payments as additional house payments and refuse to reverse it. Whenever I make a principal payment that is larger than a house payment they make an additional house payment so they can collect the interest they do not reduce my principal I have the paperwork from their site with receipts that shows that they were principal payments but they made additional house payments in the future I was actually 3 months ahead on house payments and did not realize it. I have corresponding with them twice with letters and they're only responses we have done nothing wrong. Is there anything can be done with this to make them correct it!

Michael Agruss Headshot

Hi Dennis. I would be happy to see what I can do for you regarding your mortgage and the misapplied payments. Please send over any documentation you may have with Select Portfolio Servicing and we can have a no obligation consultation. Thanks, Mike.