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Select Portfolio Servicing

Michael Agruss

Written and Reviewed by Michael Agruss

  • Managing Partner and Personal Injury Lawyer at Mike Agruss Law.
  • Over 20 years of experience in Personal Injury.
  • Over 8000+ consumer rights cases settled.
  • Graduated from the University of Illinois Chicago School of Law: Juris Doctor, 2004.

 

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:

  • 800-258-8602
  • 800-349-1254
  • 801-564-6000
  • 801-594-6256
  • 866-662-0035

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

Mike Agruss Law 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.”

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

“Mike Agruss Law 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 Mike Agruss Law 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 Mike Agruss Law 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 Mike Agruss Law at 888-572-0176 to stop the harassment once and for all.

 

Submitted Comments

Dennis
5 years ago
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!
charles
4 years ago
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
LaTasha
4 years ago
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.
Marla
4 years ago
Hello Mike Agruss Law: 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
Tina
4 years ago
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.
Edwin
4 years ago
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.
Camellia
4 years ago
Modification to have lone increase our loan and extended pay off date
Kurt
4 years ago
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
Javier
4 years ago
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.
ROBERT
4 years ago
SPS credit Suisse toxic mortgage
Kevin
4 years ago
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.
Samuel
4 years ago
I have Paying On my loan every cent 2008 Select portfolio Says My balance Is $30,000 That is not right
Gwendolyn
4 years ago
Sps did me so wrong my writing will be very long I really need help with my situation which I hope I can find
kimberly
4 years ago
please call me to discuss further
David
4 years ago
Chase sold my mortgage to SPS, do I need to pay mortgage
Elizabeth
4 years ago
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
Patricia
4 years ago
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.
George
4 years ago
my loan was increased over 30k
Amanda
4 years ago
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
Cinnamon
4 years ago
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
4 years ago
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.
Michael Agruss
4 years ago
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.
Michael Agruss
4 years ago
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.
Michael Agruss
4 years ago
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.
Michael Agruss
4 years ago
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.
Michael Agruss
4 years ago
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.
Michael Agruss
4 years ago
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
Michael Agruss
4 years ago
Hi Gwendolyn. I would be happy to review your case and discuss it further with you. The consultation would be no obligation. Thanks, Mike.
Michael Agruss
4 years ago
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.
Michael Agruss
4 years ago
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.
Michael Agruss
4 years ago
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.
Michael Agruss
4 years ago
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.
Michael Agruss
4 years ago
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.
Michael Agruss
4 years ago
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.
Michael Agruss
4 years ago
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.
Michael Agruss
4 years ago
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.
Michael Agruss
4 years ago
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.
Michael Agruss
4 years ago
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.
Michael Agruss
4 years ago
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.
Michael Agruss
4 years ago
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.
Ron
4 years ago
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.
Robert
3 years ago
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
Tim
3 years ago
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
Lena
3 years ago
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
Donna
3 years ago
Accused of non payment yet when information faxed as well as mailed...no return recipient either...not response...I keep calling with nothing happening
Danny
3 years ago
trying to forclose and will NOT responf to loan modification
Molly
3 years ago
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. .
Jason
3 years ago
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
3 years ago
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
Kelly
3 years ago
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?
Yvonne
3 years ago
Are you licensed to operate in NC. Please let me know.
Michael
3 years ago
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
3 years ago
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
Michael Agruss
3 years ago
Hi Yvonne. I will call you and we can talk about this and your possible case. Thanks, Mike
Michael Agruss
3 years ago
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
Michael Agruss
3 years ago
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
Michael Agruss
3 years ago
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
Michael Agruss
3 years ago
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
Stephany
3 years ago
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
3 years ago
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
Michael Agruss
3 years ago
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
Michael Agruss
3 years ago
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
Michael Agruss
3 years ago
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
Michael Agruss
3 years ago
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
Keita
3 years ago
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
3 years ago
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
Jennifer
3 years ago
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.
mike
3 years ago
My wife and I are terrified of SPS after noticing they are rigging the credit bureaus
Michael Agruss
3 years ago
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
Michael Agruss
3 years ago
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
Micheline
3 years ago
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
Pamela
3 years ago
Came up with a repayment plan higher than our income after covid
Michael Agruss
3 years ago
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
Michael Agruss
3 years ago
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
Henry
3 years ago
will not correct my credit report after chapter 13 discharge
Michael Agruss
3 years ago
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
Charles
3 years ago
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
3 years ago
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
yvonne
3 years ago
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
3 years ago
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
Steve
3 years ago
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
Steven
3 years ago
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
3 years ago
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
Michael Agruss
3 years ago
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
Alexander
3 years ago
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.
Sandra
3 years ago
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.
Eboni
3 years ago
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.
Michael Agruss
3 years ago
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
Shannon
2 years ago
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
Cindy
2 years ago
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
2 years ago
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
audrey
2 years ago
hi i seem to be paying SPS for years and my mortage has not moved i have asked them for a complete list of all my payments and they arent very helpful i feel like i am getting ripped off
Michael Agruss
2 years ago
Hi Audrey. Select Portfolio Servicing has many, many complaints similar to yours against them. My office is experienced in dealing with them and we would be happy to speak with you about your options. I am going to give you a call and we can have a free, no-obligation consultation. Thanks, Mike
James
2 years ago
SPS is the servicer for a 2nd mortgage on my home. I recently managed to pay the mortgage off on the home as the balloon was about to reach maturity and I was concerned that they would demand payment all at once anyways. During my time with SPS, they asserted that I was late several times (or missed a payment somewhere) and charged me late fees almost each and every month. They then kept "rolling" the late fees which added up to about $1000 over the years. I'd like to collect this money retroactively. I asked them to provide strict proof that I owed them what they say that I owed them many times over but they never did provide proof. Ironically, my credit was never hurt. I know it's not alot of money, but I'd like to collect it for reasons outside of the scope of this post. Any suggestions? Thanks!
Michael Agruss
2 years ago
Hi James. I can understand that you want to collect the money that you feel you have overpaid and I would be happy to speak with you about this situation in more detail to determine if you have a case. Please reach out to my office at 888 572 0176 and we can discuss this further. Thanks, Mike
Angela
2 years ago
I currently have a mortgage with SPS Servicing Porfolilo and I had COVID at the end of 2021 for 6 months and I went back to work and applied for a Repayment Plan mortgage assistance in July 2021. I was approved for a Repayment Payment and was asked to pay $5684 starting on October 7, 2021. Basically, I was doubling up on my mortgage payments each month until I caught up because I was sick with COVID for most of 2021. It was requested that I pay $5684 by October 7, 2021 to activate the Repayment Pan so I overnighted the first payment on October 6th via UPS and SPS received the payment on October 7, 2021 at 10:30am. I called SPS Customer Service and provided them with the tracking number. That first payment covered July and August 2020. I then made a second payment on November 15th for $5684 which covered payments for September and October 2020. I then made a third payment on December 31st, 2021 for $5684 which covered payments November and December 2020. SO I was making my payments on time. I was making my payments on my payments dates as I don't get paid like a regular W2 employee. But I can afford to double up on my mortgage payments each moth until I am current. The repayment plan was cancelled via system generated because I did not make the payment by December 15, 2020 so I am requesting if they can continue my repayment plan as I was already making my double payments monthly Please consider this as I do not want to loose my home as I would like to keep my property.
Michael Agruss
2 years ago
Hello Angela. Actually, my law firm does not represent Select Portfolio Servicing, but instead we represent you, the consumer. If you have questions for SPS, you would need to contact them about your payment plan. However, if you feel that you are on the verge of losing your home, we may be able to help. Please give my law firm a call and we can have a free, no-obligation consultation. Thanks, Mike
Tara
2 years ago
RE: Complaint Against Select Portfolio Servicing (SPS) – (Formerly with Chase) Back Story: We had a modification (HAMP) in 2013 with the help of NACA, and as we now understand, after reviewing recent documents we were provided a lower interest rate, at a fixed rate (formerly it was an adjustable rate), and an adjustment on the balance which is what I call “forgiveness”. However, I was recently told because I didn’t make all the required payments, the money forgiven was placed back into the loan. Howbeit, I signed the last page of a document, this matter was not fully explained to me from NACA or Chase. The paperwork that has recently been sent to me with the last page of the document, I have never seen before. I was told by NACA that we received the modification because I experienced predatory lending. Fast forward: To not belabor the complaint/hardship, my husband and I continued to make payments, and at times due to hardship situations, more specifically in 2016-2017, while trying to obtain a loan modification, we fell prey to offers of 100% guarantee that we would receive the loan modification with forgiveness of the arrears, or the arrears placed at the end of the loan. However, the company’s objective was to solicit money from us, knowing we would not receive the modification. The situation caused us to get further behind in our payments. As a result, of my testimony, of the unethical ways the law firm deceived me, the Virginia State Bar sanctioned the law firm for two years. We filed Chapter 13 (BK) on November 6, 2017, to keep our home because we were not able to receive a modification. While in BK we continued to make our mortgage payments to SPS, and payments to the BK trustee. The bankruptcy was dismissed February 2020 (the attorney filed the BK twice); however, we were under the impression it was discharged, based on what the BK attorney said to us. We are in the process of locating the BK attorney to find out what happened, and appeal to the bankruptcy court. Reviewing our BK paperwork, something happened in the BK for us to end up with a dismissal, and to not complete the BK. We want to know what happened? Again, while reviewing documents, it appears the balloon/deferred payment was left unaddressed by the BK Attorney. After the dismissal we continued making our regular monthly payments to SPS. Present During the pandemic, we were offered COVID-19 relief from SPS. The COVID relief provided us two months of making no payments. After which, we were placed on a repayment plan in August 2020, and at the end of this plan we were told to make a balloon payment of $63, 800. We talked with a SPS representative, telling her it would be impossible for us to have that amount of money at the end of the repayment agreement. She said for us not to worry, and one month prior to the end of the repayment agreement, which was July 25, 2021, to call back and SPS would provide another workout plan. My husband and I purposed in our hearts to make the monthly payments every month and on time, even with there being an additional $500 per month added to our regular monthly payment of $1648. While in the plan we continued calling SPS to ensure that a plan would be available. We were never told it would not be. We reached out to SPS, two months prior and a month prior, and we felt confident, that we were on the right track with SPS. July 2021 brought us at the end of the plan. We never thought SPS would not do what the representative said they would do. It was approximately during this time, either right before or right after paying the September payment which we were told to send in, and which has not been applied, we were told there were no plans to offer us. The only options offered to us were to pay the $63,800, to keep our home out of foreclosure, short sale, or deed in lieu of foreclosure. We have since filed an appeal with SPS and we have an applied for mortgage assistance (RMA). We are hoping to apply for the Government Mortgage Assistance Program, as soon as it is released. We are financially able to make our mortgage payments, but we don’t have the balloon/deferred payment. Yes, SPS has worked with us in the past, and I (we) don’t take that for granted, however in the process there are some areas where we did not receive information that was pertinent to us, or the information we receive, varied from representative to representative, therefore making us feel misled. We are supposed to have a relationship manager. This person is never available, or they are no longer working for the company. Every call we make to SPS, we are asked about an open claim that was closed in 2018. We are always told; the information will be sent to another department, and it will be corrected, and as of today, 11/8/2021, it has not been corrected. It makes one wonder if SPS can’t correct that situation, how can they be so accurate with the accounting of our account. I (we) have asked SPS to stop foreclosure proceedings and work out a plan for us. We were/we can have our home refinanced. We were presented an opportunity to refinance via Amerisave. We completed all the paperwork, paid for an appraisal, and we were in the home stretch, when the underwriter asked us to show September and October’s mortgage payment to SPS. We could not do so, because SPS accepted our September payment but won’t apply it to the loan. They told send in October’s payment, but when we did, they would not accept October’s payment and I presume; they will not be accepting November’s payment. How can one be treated this way? The last two years experiencing COVID, illnesses, and death, has been draining enough. We were making our mortgage payments, until the last two months, and we had been doing so consistently over the last few years. We are fighting to save our home, and with SPS not reporting our previous twelve mortgage payments, that we made on time, we are not even able to apply for a loan to take care of the balloon/deferred payment. I would also like to know who the actual owner of my mortgage is. I have not been able to contact a real person, or locate the exact address, nor the actual name of the investor that SPS sent to me. Due to my daughter’s illness, I have my daughter and her family in our home. I (we) don’t want to lose our home. If SPS could apply the September payment, and allow us to pay October and November’s payment, we could have our home refinanced. Is there anything that can be done? Is there anyone who can help us keep our home? Amendment To Complaint: Please note page 1 of the BK documents: This document says the Creditor/Investor is U.S. Bank, N.A., Successor Trustee to Lasalle Bank National Association. The address for is listed as being C/O Select Portfolio Servicing, Inc., P.O. Box 65250, Salt Lake City, UT 84165-0250. When I asked for the investor information from SPS, I was given an address in Minnesota. Because my loan is backed by a private investor, I wanted the opportunity to address the investor. I have not personally been able to do that. Is it unusual, for the servicing company to be the address and/or for the investor to conduct business in the same building as the servicing company? Please note page 4 of the BK documents: The document states “Notice of Payment of Late File Claim.” I am not exactly sure what this document is really stating. I do see it references the mortgage arears. I am very concerned as to the status of the BK, being dismissed, and my husband and I were under the impression, the BK was discharged. Not being able to reach the BK attorney, I don’t know what position I have as the debtor to find out exactly what the BK Attorney actions were, and how it relates to the BK Court, and our debts, especially SPS. It notes, the Chapter 13 Trustee shall fund this claim, pursuant to the terms of the plan. My husband and I were never told about the late filed claim. We were not advised or given an opportunity to object if we were allowed to do so. There are in several areas of concern we have with the information and/or lack of information given to us by the BK attorney. We have since tried to reach the BK Attorney and have not been able to do so. Her office is no longer in the same location, and she has not returned our phone calls. Thank you in advance for any assistance you can provide.
Pamela
2 years ago
Have SEC report showing mortgage loan was paid in full back around 2007. Did not receive statements after that for years until around 2018 when SPS got it hands on this zombie debt. SPS has also sent me a letter saying the mortgage debt is discharged but the lien remains. I don't know what to do about this.
Lori
2 years ago
All of the above fits my case.... I have a 20 million Dollar Federal Law suite that SPS is listed in as a servicer under Associated Bank. 3:21 CV00224 and another one for CV00755 wmc for 35 million dollars for the judges that are not doing anything about it. I have significant injury and health damages from this and they have criminal charges against me for trying to protect my property.
Fay
2 years ago
I can't get a hold of SPS mortgage company to talk about my mortgage that was sold to them by Wells Fargo a few years back. i want to know my payoff so i can refinance at a lower rate with some other company.
Michael Agruss
2 years ago
Hi Pamela. I am going to give you a call to get some further details about your mortgage loan and the letter you've received from Select Portfolio Servicing about a lien against you. Thanks, Mike
Michael Agruss
2 years ago
Hi Lori. As this is a unique case, I would like to speak to you over the phone. I will give you a call or you can contact my office at 888 572 0176. Thanks, Mike
Michael Agruss
2 years ago
Hello Tara. Your case sounds complex and quite detailed, which I would be happy to discuss with you over the phone in a free, no-obligation consultation. I think we would be able to have a better discussion than through my comment page or online consult form. I will contact you, although you can certainly reach me at your earliest convenience at 888 572 0176. Thanks so much, Mike
Leslie
2 years ago
Select Portfolio Servicing - All interest. Cannot get them paid off. 2nd mortgage. Bought from Household Finance years ago.
Michael Agruss
2 years ago
Hi Leslie. Your story is very similar to other consumers' stories I've heard regarding their mortgage and Select Portfolio Servicing. We have helped many consumers just like you and we would be happy to speak with you about your situation and work towards a satisfactory goal. Give me a call at 888 572 0176. Thanks, Mike
Michael Agruss
2 years ago
Hi Fay. It can be very frustrating when you want to do the right thing and you can't even get in touch with a human to discuss your payments for your mortgage. Let's talk a little more about your case and determine how you can best get in contact with SPS to work towards a refinance on your home. I will give you a call or you can call my office at 888 572 0176. Thanks, Mike
Randall
2 years ago
My wife and I got our house or qualified for our home through FHA in 1989, but a few years later we consolidated all of our bills including our home through Household Finance, then they turn our mortgage to a company called Caliber. My wife was handling the payments after we did that, but before when we were with FHA, I was making the mortgage payment ( didn’t really want to do that with the house from FHA ), then when we made the change, we did the payment together. In 2008 my wife was diagnosed with breast cancer, and passed away in 2013, witch at that time we was Caliber, and changed to Select Portfolio Servicing, with the passing of my wife and trying to pay all the bills with our two daughters in college, my bank account was starting to go down fast, so tried to get a hardship and it was like they just blew me off and wouldn’t do anything until I filed for with a breach program, witch lasted for a year, then after that they kinda did something. They sent a form to fill out, but I went back and forth for three years, and then they said that they would do a trial modification for three months, but the modification payment went up about a hundred dollars more, that’s not helping me out, that just made it worse, and if I don’t, I could lose my house. This was the house my wife and I got when we got married, and unfortunately she passed away in the house. The other thing that SPS did was trying to charge me for insurance on the house and the taxes that I had been paying and charging me more money. It’s just not right
Betty
2 years ago
After becoming behind in 2 months payments because of an accounting problem I made. I suggested those two payments be deffered to end of term. SPS took us through a 3yr. Modification nightmare and trying to sell my house at auction secretly while working on said Modification. forcing us to accept unfair terms to stop sale. and somehow leaving a balance of 136,000 40,000 more than what we purchased the property for over 20yrs ago after making 20yrs of mortgage payments. Also they sent a representative to our house who made illegal trespass into our house on the day our house was scheduled for auctioned. Then denied any such action. My loan was discharged in bankruptcy years before but I continue to make every monthly payment on time by auto debit . Recently I've been getting reminder calls and regular payments being made and mortgage discharged in previous bankruptcy. I suffered 2 strokes during this because of the stress. Please help me get a fair resolution.
Michael Agruss
2 years ago
Hi Betty. I'm sorry to hear that the stress from dealing with Select Portfolio Servicing caused you such distress and that they are not willing to work with you through your loan modification. If you need assistance with this, feel free to reach out to me at 888 572 0176. We have helped numerous consumers just like you to get these types of situations resolved fairly and quickly. I look forward to speaking with you. Thanks, Mike
Michael Agruss
2 years ago
Hi Randall. I'm sorry to hear that you're struggling to keep the home your and your wife had together, especially after losing her so tragically. You're right, it isn't fair what they're doing to you. I would be happy to speak with you about this in more detail and see if we can help you to keep the home you love so much. I will give you a call and we can have a free, no-obligation consultation. Thanks, Mike
Linda
2 years ago
5/11/2022 Early Intervention Notice 5/10/2022 COVID Relief End Notice 5/3/2022 Customer Survey Letter 4/20/2022 EZ Pay Notification 4/19/2022 Assistance Review Decision Notice 4/19/2022 EZ Pay Notification 4/14/2022 Property Valuation Notice 4/11/2022 Complete Assistance Package Notice 4/11/2022 General Acknowledgement Letter 4/11/2022 Returned Email 4/8/2022 General Acknowledgement Letter 3/14/2022 Returned Email 3/7/2022 Missing Information Letter 3/2/2022 COVID End Date Solicitation 2/23/2022 COVID End Date Solicitation 2/16/2022 COVID End Date Solicitation 2/9/2022 COVID End Date Solicitation 2/2/2022 COVID End Date Solicitation 1/26/2022 COVID End Date Solicitation 1/19/2022 COVID End Date Solicitation 12/21/2021 EZ Pay Notification 12/14/2021 Repayment Plan I am current on my mortgage. I only owe 5/22 I paid fees they where showing and they held over $6,000 of my ACH then i complained and they credited it.Please help they are sending me letters! No idea??!! Thank you Linda
Michael Agruss
2 years ago
Hello Linda. Can you send over the letters you've received from Select Portfolio Servicing? You can send them to me at [email protected] and once I get them, I will review them. Then I can give you a call to discuss your options. Thanks, Mike
Robert
2 years ago
My name is Robert I have been trying to get a Modification Fixed Mortagage for about 10 Years Now in 2019 I want Bankrupt to save my home from foreclosure SPS said they would work with with all the plans they have giving me where higher then i can Afford then i asked a bout a Short Sale and they told me ok that's a option so i find somebody to submit a offer i they keep telling we will give you a answer on this in 30 Days so after 30 Days i check with them and they keep saying need more paperwork filled out. So we start over again this has been going on for about two Years Now. With No Answer from them yesterday i got a Letter in the Mail from them you house is scheduled for Sheriff Sale August 4, 2022 I though once there a offer for Short Sale on the Table by law the Sheriff Sale is Postponed. Need Advice if you can help me. Thanks Bob W.
Ikechukwu
2 years ago
After being sold to SPS by a lending company called Hometown Equity, it has been no more than 2 months and they are already harassing me about paying debts and increased my interest rate from 5.75% to 20% even though I have already made my payment for May.
Nicolas
2 years ago
SPS bought my mortgage and stopped deducing monthly payments from my account, when I called them, they said, "takes us up to 60 days to setup you up in the system but you are protected we will contact you with instructions” They never called back. Information usually was unclear and contradictory. Finally, when I managed to access my account online, I found some documents there that they never sent me before, putting my debt in delinquency, increasing 400% interest rates, and opening a foreclosure process. Monthly payment increased from $1700 to $ 4800. I need help to deal with these people.
Michael Agruss
2 years ago
Hi Bob. I am going to call you to discuss this Sheriff Sale and short sale offer on your home. I would like to get some more information from you and then we can discuss what options you may or may not have. I will be in touch and look forward to speaking with you. Thanks, Mike
Candy
2 years ago
This involves Selene Finance, SPS Select Portfolio Finance, Fay Servicing, Bank Of America & Approved Funding. 1) My RE Taxes Due by 1/10/22 were Unpaid With Selene Finance Until End of May 2022. Then they paid my taxes 3 times instead of 2 and my escrow balance is negative $11,000. 2) Missing payments: SPS Transferred my loan to Selene in December 2021 Neither Mortgage Company shows my 2 $4000 payments made in November and December 2021. It does show $5479.88 Paid on 12/1 but then it was removed.. Where are my $4000 payments??? Ive Asked since January 2022, by written contact and over the phone, still no answer. 3) There is an additional $7000 added to the balloon payment at the end of my loan??? I did NOT accept their offer to pay $2444 in FEES to put under $8000 at the end of my loan. I PAID THE PAST DUE IN September 2021 and became current and went on auto pay. This is a complete and total Fraud. I have no information on why over $7000 was added to the end of my loan. I need this explained to my satisfaction or I need it removed. 4) why is there a "FEE" of $2444.47 added to my account just before it transferred to you??? I have not received any notification, or explanation as to what this is for. I need a valid explanation or I need this charged Removed. 5) SPS Financing FORGOT TO PAY MY INSURANCE that was due in May 2020 and i did not know until i had to file a claim for wind damage in September, where my policy lapsed and I had to quickly find other insurance to cover my home due to the last mortgage servicer letting my insurance lapse for over 4 months & then trying to make me buy THEIR insurance after i already reinsured my home and sent them documented proof.) They finally wrote me in December 2021 about a lapse in insurance that is LISTED ON MY Mortgage Docs as to the correct Insurance. They then LIED about not having the right insurer. FALSE, its listen on the original servicing transfer paperwork. 6) COVID allowed for reprieve on paying my mortgage. so I went 3 months behind. I was offered a repayment plan for it but after seeing $2444 in fees for less than $8000, I REFUSED it, I made a double payment in August 2021 and paid off the balance of $7900 on September 16th 2021 and I became current. They then STILL Added the $7000 on to the balloon payment AND charged me the $2444 even though I PAID THIS TO THEM and was Current... 7) In 2012 I missed a single mortgage payment and went 30 days past due when my then husband left me for another. I tried to Quick collect thru Waldbaums and other payment places but my payments where all refused. I spent almost FIVE YEARS trying to get my mortgage reinstated, and Finally under great duress, I signed a $190,000 balloon payment on a $350,000 mortgage to keep my home thru Bank Of America. HOW are late fees penalties and interest over 50% of the value of the entire loan????? 8) I filed for bankruptcy in May 2012 & recived a chapter 7 in September 2012/13?. 9) Offered a new mortgage in 2016 by BOA which i signed under duress to keep my home, but the terms are incredible unfiar. 10) I need help, Im being taken advantage of. I have alot of documentation & none of the mortgagers respond with any info, other than an acknowledgement of correspondence and they will have an answer for me in 30 days.. Its been 6 months to several years and I still dont have any answers.
Michael Agruss
2 years ago
Hello Candy. I'm sorry that you're being treated this way from SPS, they certainly have many complaints against them for cases like this, among other issues. I would like to speak with you about the issues you've been having with them and what we may be able to do to help you get this resolved once and for all. I am going to give you a call, but you can always reach me sooner at 312 300 5996. Thanks, Mike
Michael Agruss
2 years ago
Hi Nicolas. It does sound like you're dealing with poor customer service and contradictory information. This is not only frustrating, but now you're struggling to make payments. This is something I would like to discuss with you and see if I can help you get this taken care of. I can be reached at 312 300 5996 at your earliest convenience. Thanks, Mike
Michael Agruss
2 years ago
Hi Ikechukwu. If you would like some assistance in dealing with SPS and the increased interest rate that you believe is unfair, give me a call. I have helped consumers like you to deal with these types of situations and I would be happy to speak with you about your options. I hope to hear from you soon. Thanks, Mike
Patricia
2 years ago
Bought home in 1998 through Washington Mutual then chase bank and from there to select Portfolio and deutsch bank. Was forced to sell and investors that bought from me sold for 2 times as much and it has put a hardship on me.
Michael Agruss
2 years ago
Hi Patricia. I'm sorry that you're dealing with a financial hardship due to the actions of your lender. If you would like to talk about this in more detail to see what your options may be, you can call me at 312 300 5996. Thanks, Mike
Charlesetta
2 years ago
I have a loan modification and Bank of America switched me to another bank. I had caliber loans now spc servicing s is telling me they will not honor my loan modification and raised my mortgage.
Michael Agruss
2 years ago
Hi Charlesetta. Have you attempted to contact the CFPB about SPC Servicing refusing to honor the loan modification? You may have some options in dealing with this and the CFPB takes mortgage servicing rules very seriously. If you need some help with this, feel free to give me a call so we can discuss your loan. Thanks, Mike
Jack and Linda
2 years ago
Note Holder Listed at Coffee County Georgia, Clerk of Court and SPS: Federal Home Loan Mortgage Corporation, as Trustee for the benefit of the Freddie Seasonal Loan Structured Transaction Trust, Series 2020-2. June 17, 2021 Jack O Jr and Linda (Property Owner/Land Lord/ Mortgagor) signed a lease agreement with Cingular Cellular (AT & T/Renter) for less than 1 acre of land located at , Willacoochee, GA 31650, Coffee County. Cingular Cellular signed their copy on July 22, 2021. This agreement is for a lease, not a purchase, of less than 1 acre of land contained in a plot of 19.75 acres. The option is one year from signing and can be extended one more year, although Cingular Cellular has not extended as of July 13, 2022.[1] Cingular Cellular requires the current mortgage company or mortgage servicing company to sign Mortgage Subordination Agreement with the understanding if mortgagor defaults then the lease agreement will stand with lien holder (Note Holder). Phone Contact was made with Select Portfolio Servicing, Inc (Hereafter refered to as SPS) requesting the exact department and mailing address to send Mortgage Subordination Agreement. (See Phone Log June 17, 2021). The Mortgage Subordination Agreement was sent to SPS on June 19, 2021.[2] SPS acknowledge receipt of June 19, 2021 correspondence with their letter dated July 12, 2021.[3] Mortgagors made several calls to SPS requesting the status of their completion of the Mortgage Subordination Agreement. SPS’s reply was general in stating,“it is under review, awaiting management review, or with underwriters” (Phone Log August 27, 2021 and November 12, 2021) January 27, 2022, after no contact or progress with the Mortgage Subordination Agreement, mortgagors sent a second letter of explanation requesting status. [4] SPS returned to the Mortgagor a General Acknowledgement Letter dated February 1, 2022.[5] Mortgagors called SPS twice on February 10, 2022. (Phone Log) SPS emailed mortgagors on February 11, 2022 requesting: [6] 1) Updated fully prepared consent of Mortgage Subordination Agreement. Which states “Select Portfolio Servicing, Inc as attorney in fact for Federal Home Loan Mortgage Corporation, as Trustee for the benefit of the Freddie Mac Seasoned Loans Structured Transaction Trust, Series 202-2.” 2) An Appraisal with Impact Study stating how value of property will be affected. Leslies, mortgagor’s contact person for Cingular Cellular, emailed the requested Mortgage Subordination Agreement showing the exact wording on February 11, 2022 and again on April 14, 2022 as requested an editable version. March 20, 2022 the aforementioned mortgage was sold to Federal Home Loan Mortgage Corporation, as Trustee for the benefit of the Freddie Mac Seasoned Loans Structured Transaction Trust, Series 202-2.[7] Mortgagors still have not received letter stating mortgage was sold. Mortgagors retrieved sell information from Coffee County Clerk’s Office. The requested information, Appraisal/Impact Study, SPS required from mortgagors on February 11, 2022 was sent via regular mail on Mar 14, 2022. Several calls from mortgagor to SPS were placed to check status of Mortgage Subordination Agreement and receipt of Appraisal/Impact Study. (Call Log March 29, April 7.) SPS General Acknowledgement Letter dated 4/11/2022 was issued.[8] SPS stated to mortgagors that they never received the Appraisal/Impact Study from March 14, 2022. Mortgagors again sent the Appraisal/Impact Study with delivery confirmation, showing delivery on April 11, 2022 at 10:25 am. Mortgagors called SPS inquiring about receipt of Appraisal/Impact Study several times in April. (Call Log April 14, April 15, April 19, April 22, April 27, April 28.) SPS insisted the Appraisal/Impact Study had not been delivered, which mortgagor informed SPS it was tracked through USPS and they, (USPS), showed the document had arrived. [9]SPS moments later stated they found it. As seen above, the Mortgagor has made more than reasonable attempts to have SPS complete the Mortgage Subordination Agreement and return to the Mortgagor or Ms. Carrol. To date this has not occurred in what any prudent person would believe was a reasonable time frame. It is the belief of the Mortgagor that SPS and or the Underwriters, they mention but fail to identify, have engaged in procrastination and evasive practices that have disallowed the Mortgagor the full use and freedom of the property deeded to them and Identified as 1708 Mora RD. Willacoochee, Georgia. This unreasonable delay has cost mortgagors approximately $10,000.00 in rental income to date and SPS continued procrastination might possibly cause the lease to terminate. If the lease terminates the lost rental income for mortgagors and their heirs is just shy of $2,000,000.00. “In October 2019, a new Strategic Plan was unveiled by the Federal Finance Housing Agency (Hereafter referred to as FHFA), for the conservatorships of Freddie and Fannie Mae. The Plan provides a structure for how FHFA will usher Freddie and Fannie to realize their statutory missions, center on safety and stability and prepare for a successful conclusion to the conservatorships. The three listed objectives of this October 2019 new Strategic Plan state, Freddie and Fannie: • Focus on their core mission responsibilities to foster competitive, liquid, efficient and resilient national housing finance markets that support sustainable homeownership and affordable rental housing; • Operate in a safe and sound manner appropriate for entities in conservatorship; and • Prepare for their eventual exits from the conservatorships. In 2020, FHFA also released a new annual Conservatorship Scorecard for Freddie Mac and Fannie Mae. This new 2020 Scorecard aligns tactical priorities and execution at Freddie and Fannie to the 2019 Strategic Plan and serves as one of the tools to be utilized in holding them accountable for its effective implementation.”[10] SPS is the Servicer for the SLSTT 2020-2, which is a combined mortgage certificate Trust. According to the executed “Pooling and Service Agreement” for the SLST 202-2 Trust, SPS can sign the subordination agreement because the lease improves the property value, with the installation of a utility. Call Log Calls to Select Portfolio Servicing 912-592-6*** Date. Time. Number. Origination. Destination. Minuets June 17 2021. 10:58 am 800-258-8602. Douglas, GA. Toll Free, CL 9 August 27 2021. 2:14 pm. 800-258-8602. Douglas, GA. Toll Free, CL. 22 November 12 2021. 10:35 am 800-258-8602. Douglas, GA. Toll Free, CL. 12 January 5 2022. 11:55 am 800-258-8602. Douglas, GA. Toll Free, CL. 18 January 12 2022. 9:32 am. 888-818-6032. Douglas, GA. Toll Free, CL. 6 February 10 2022. 9:06 am. 888-818-6032. Douglas, GA. Toll Free, CL. 1 February 10 2022. 11:02 am 888-818-6032. Douglas, GA. Toll Free, CL. 12 April. 7 2022. 10:45 am. 866-662-0035. Douglas, GA. Toll Free, CL. 18 April. 192022. 10:25 am. 866-662-0035. Douglas, GA. Toll Free, CL. 19 April. 28 2022. 4:55 pm. 866-662-0035. Willacoochee, GA. Toll Free, CL. 13 912-327-2581 March 29 2022. 11:53 am. 866-662-0035. Douglas, GA. Toll Free, CL. 29 April. 14 2022. 12:37 pm. 866-662-0035. Douglas, GA. Toll Free, CL. 15 April. 14 2022. 1:26 pm. 866-662-0035. Douglas, GA. Toll Free, CL. 3 April. 15 2022. 11:27 am. 866-662-0035. Douglas, GA. Toll Free, CL. 4 April. 22 2022. 08:29 am 866-662-0035. Douglas, GA. Toll Free, CL. 1 April 22 2022. 08:30 am 866-662-0035. Douglas, GA. Toll Free, CL. 2 April 22 2022. 12:47 pm. 866-662-0035. Douglas, GA. Toll Free, CL. 4 April 22 2022. 12:51 pm 866-662-0035. Douglas, GA. Toll Free, CL. 8 April 22 2022. 06:00 pm 866-662-0035. Willacoochee, GA. Toll Free, CL. 6 April 27 2022. 12:07 pm 866-662-0035. Douglas, GA. Toll Free, CL. 21 May 2 2022. 04:10 pm. 866-662-0035. Willacoochee, GA. Toll Free, CL. 18 May 5 2022. 04:29 pm 866-662-0035. Willacoochee, GA. Toll Free, CL. 16 June 13 2022. 10:11 am. 866-662-0035. Douglas, GA. Toll Free, CL. 6 June 21 2022. 11:08 am 866-662-0035. Douglas, GA. Toll Free, CL. 8 June 28 2022. 12:33 PM 866-662-0035. Douglas, GA. Toll Free, CL. 8 July 11, 2022. 05:36 pm. 866-662-0035. Willacoochee, GA lol Free, CL. 4 [1] Mortgagor and Cingular Cellular Lease Agreement and Mortgage Subordination Agreement [2] Letter from Mortgagors to SPS Dated June 19, 2021 [3] General Acknowledgement Letter from SPS to Mortgagors July 12, 2021 [4] January 27, 2022 Mortgagors letter of Explanation to SPS [5] General Acknowledgement Letter from SPS to Mortgagors February 1, 2022 [6] Email from SPS Ombudsman Department Dated February 11, 2022 [7] July 1, 2022 letter from SPS to mortgagors, who requested lien holder contact information on June 30, 2022. [8] General Acknowledgement Letter from SPS to Mortgagors April 11, 2\\\\022 [9] April 11, 2022 USPS Tracking [10] https://capitalmarkets.freddiemac.com/seasonedloanofferings/docs/SLST_2020_2_OC.pdf Mortgagors request that the Guarantor, Administrator, Sponsor, Servicer or Trustee sign the MORTGAGE SUBORDINATION (LEASE) AGREEMENT as soon as possible and mail to mortgagors or authorized theirs party, Leslie.
Michael Agruss
2 years ago
Hi Jack and Linda. I'm going to contact you to discuss your situation and get more information from you. I will be in touch. Thanks, Mike
Ikechukwu
2 years ago
Select Portfolio Servicing has increased my interest rate from 5.75% to 20%
Michael Agruss
2 years ago
HI Ikechukwu. Have they sent you paperwork regarding this increase of your interest rate? If so, you can send me that information at [email protected]. I will look it over and then contact you to discuss your situation in more detail. Thanks, Mike
Holly
2 years ago
Select Portfolio made several mistakes in allocating my payments when I called in to pay off my Loan. I asked for disputes to be open and Select Portfolio Servicing initiated some disputes, but they made decisions that I am not able to support. I have been charged interest on my loan from August 2021 despite my attempts to pay off the Loan in full. When I made balloon payments, the agents who answered my phone calls made the decision to make monthly payments with interest charges instead of applying my balloon payments to the principal owed. Calls made to Select Portfolio Servicing yielded no resolution that is accurate. I have requested payment history documents that reflect the corrections that I requested and I have not gotten those either. The agents failed to enter correct notations when I explained my position and concerns. I am not being told that nothing further will be done to address my concerns.
Michael Agruss
2 years ago
Hi Holly. I'm sorry that you're dealing with these frustrations with Select Portfolio Servicing. It sounds like you're being given the runaround and not being given any type of explanation for your concerns. I would like to talk this over with you so we can decide how to best deal with your account. Give me a call at 312 300 5996 and we can have a free, no-obligation consultation where you'll have absolutely nothing to lose. Thanks, Mike
Joanna
2 years ago
My mortgage was sold to Select Portfolio over 8 months ago and a escrow overage check was sent to me for $1,220. I get a phone call today from Select Portfolio hardship department telling me that my old mortgage company did not provide the correct information and they made a mistake and over payed me and that I owe them $883.00. They wanted me to pay it in fulll or pay additional $72.00 a month onto my mortgage. They told me there are about 100 customers they over paid and they just found out yesterday. How do I know for sure, I owe them this when the check came with what paid out from my old mortgage company. I told the rep I was not authorizing any payments until I speak with counsel. Thank you
deanna
2 years ago
Is Portfolio Recovery and Select Portfolio the same? We have a prior debt no longer enforceable (7-10+yrs old) portfolios recovery has nonstop called and sent mailings on (as well as one from Midland Credit). In mid July I was notified that Select Portfolio had purchased my mortgage from Bank of America and as of Aug 1 I was required to make payment to them. As of then we have gotten non stop calls from Select Portfolio, no longer PortfolioRecovery on our caller ID. We had previously requested they stop calling & to be removed multiple times over the years from their call list and called as early as 7am on occasion. I received a call now from the new name with a lag in response and agal came on the line stating it was about a ‘personal business matter and was I Deanna’. I said I was not interested and hung up. If this is one an$ the same, can they interfere with my home/mortgage?
Robert
2 years ago
I have not filed against this company yet. My issues are, they are over charging me for insurance that I do not need, they increase payments due to insurance, they over charge on the Regular payments as well. They (SPS) will not acknowledge when I send them proper documentation for insurance that is not needed that I am being charged for. When I call, they claim they have not received the documents', or that I sent them to the wrong department. I have recently hired a local attorney to send the notification concerning the improper insurance charges and request a refund.
Irene
2 years ago
My parents have Ben receiving harassing letters in which staye they are behind 195days on their mortgage payments. I have checked my father’s records and it is untrue. I have contacted an attorney and awaiting progress. I am just coming across this and found out there have been several similar complaints against them.
Angela
2 years ago
Select Portfolio is horrible! They messed up the Partial claim paperwork. They refused to fix it, added fees to my account. Blocked my account where I can not make payments online. Destroyed checks I sent for payments. Returned electronic payments and are trying to force my home into foreclosure. I am 100% feed up with them! I have done everything I can to try to work with them however they are not willing to do their part. Their mission statement says they are committed to keeping people in their homes however they are NOT!
Angela
2 years ago
Select Portfolio is horrible! They messed up the Partial claim paperwork. They refused to fix it, added fees to my account. Blocked my account where I can not make payments online. Destroyed checks I sent for payments. Returned electronic payments and are trying to force my home into foreclosure. I am 100% feed up with them! I have done everything I can to try to work with them however they are not willing to do their part. Their mission statement says they are committed to keeping people in their homes however they are NOT!
Angela
2 years ago
Select Portfolio is horrible! They messed up the Partial claim paperwork. They refused to fix it, added fees to my account. Blocked my account where I can not make payments online. Destroyed checks I sent for payments. Returned electronic payments and are trying to force my home into foreclosure. I am 100% feed up with them! I have done everything I can to try to work with them however they are not willing to do their part. Their mission statement says they are committed to keeping people in their homes however they are NOT!
Michael Agruss
2 years ago
Hi Angela. It sounds like you have good reasons to be frustrated with Select Portfolio Servicing. Have they stated why they're doing these things when you're trying to make payments? I'd like to speak with you and I will be in touch to discuss your situation in more detail. Thanks, Mike
Michael Agruss
2 years ago
Hi Angela. It sounds like you have good reasons to be frustrated with Select Portfolio Servicing. Have they stated why they're doing these things when you're trying to make payments? I'd like to speak with you and I will be in touch to discuss your situation in more detail. Thanks, Mike
Michael Agruss
2 years ago
Hi Angela. It sounds like you have good reasons to be frustrated with Select Portfolio Servicing. Have they stated why they're doing these things when you're trying to make payments? I'd like to speak with you and I will be in touch to discuss your situation in more detail. Thanks, Mike
Michael Agruss
2 years ago
Hello Irene. Thank you for sharing your parents story with Select Portfolio Servicing. It helps other consumers to see that they're not alone in dealing with these situations. If you need further assistance, you can reach out to my office at your earliest convenience. Thanks, Mike
Michael Agruss
2 years ago
Hi Robert. Thanks for sharing your story about your account with Select Portfolio Servicing. It shows that their customer service is severely lacking in some of their dealings and it is really affecting consumers. If you would like to speak about your situation further, you are always free to reach out to my office. Thanks, Mike
Brian
1 year ago
I\'ve had a lot of problems with Select Portfolio Servicing. They gave me a default rate and locked me out of making my payments and I\'ve been forced to refinance into hard money loans to stop foreclosure. And they told me they would offer a payment plan, but after six months of applying for the plan, and giving them all of my financial information, I finally gave up. The issues have cost me at least $50,000 in unnecessary expenses and fees. Have anyone who can help?
Harla
1 year ago
Select Portfolio Servicing nightmare, need I say anymore? Lies, fraud, misinformation, misleading, harassing.
gladys
1 year ago
forging my name to the mortgage and threating to foreclose my home over payments the that never was agreed to.
gladys
1 year ago
select portfolio servicing is to foreclose my home after I caught up all my mortgage payments and keep trying to take money out my account for no reason.
Silver
1 year ago
After a 12 month successful repayment plan, SPS has refused a loan modification, without reason.
Michael
1 year ago
Mortgage maturity. SPS denied loan modification
Silver
1 year ago
I have a mortgage with Select Portfolio Servicing. I became delinquent on my mortgage account and successfully completed a 12 month repayment plan, of nearly $2800 per month, in November 2022. Please keep in mind that this repayment plan amount is double my normal monthly payment. When I entered into the repayment plan, I was advised that I could file a loan modification at any point during the repayment plan period. When I was approaching the expiration of the repayment plan, I applied for a loan modification. I was denied a loan modification by SPS, stating that I must wait until the completion of the repayment plan. Following the successful completion of my repayment plan, I submitted another loan modification application. I was denied. I issued a similar complaint with your office and was offered another repayment plan of the same amount, nearly $2800 per month. I contacted the Obudsman Department at SPS, and spoke with Tyler. Tyler stated that he would request a lower repayment plan by extending the term. I contacted SPS for over 3 weeks, as I did not receive a response from Tyler, and could not reach anyone. I continued to leave voicemails and send emails. I finally spoke to someone on today\'s date who stated that my reduced payment request was denied. The payment under the repayment plan is excessive and does not solve any problem with the mortgage as it ends with a balloon payment, which cannot be fulfilled, as to why I was directed to file the loan modification with the original repayment plan, which also ended with a balloon payment. I need a loan modification or an extended repayment plan that will cure the past due balance.
Hisahiro
1 year ago
I had been in Chapter 13 between January of 2017 to December of 2022. SPS had started to sent me monthly statements with much lower amount due (two times of negative amount) from May of 2021 to February of 2022. I called SPS customer service to confirm I just needed to pay whatever the statement\'s due amount. Then, suddenly, accusing me of $15500 of late payment. Requested the court the relief from automatic stay. I made $1300 extra payment on January of 2023 and SPS canceled my check. I sent $4900 payment on 02/01/2023 and SPS canceled the check again for the reason of \"not a certified check\". I am planning to mail a letter again (I sent a fax on 1/28/2023) to tell them 1) Is the practice of sending such statements for 10 months to the debtor in bankruptcy and later accusing of late payments to proceed foreclosure is, legal? 2) I already sent $4900 this month, I should be able to send $9100 in March (because of already accepted tax refund) and $8100 in April (State tax refund). Then, $1300 plus the regular monthly payment ($2550) following months until SPS satisfied. But I still looking for a lawyer who is willing to accuse SPS of illegal practice if that makes me more monetary benefit than the cost of lawyer, of cause.
Gayle
12 months ago
We urgently need a lawyer so I\'m really hoping you can help us. For years I have been trying to negotiate with SPS. They are holding our Title hostage! Back in 2006 my husband and I purchased our first home 80/20 (hundred percent financing). The first mortgage we have kept up with, and even modified in order to save our home during the big real estate crash in 2008/2009 where our home value tanked. The second mortgage is through SPS. We are wanting to Refinance REFI through Chase and are almost all the way through to closing the process. It will be a $250,000 loan to pay off the first mortgage and a few other debts. We cannot afford to pay SPS the full $92,572 that they CLAIM we owe. IN FACT, SPS \"wrote off\" the loan a very long time ago. It doesn\'t have a Lein or anything. Our credit reports are clear. Back in October 2011, SPS offered a deal for $13,884. In 2020 the deal went up to $31,000. Now it seems like they want more! I have a very strong sense that we don\'t owe them anything and they are breaking some laws. If someone can contact me today I\'d greatly appreciate it.
Laura
12 months ago
My loan was sold to SPS by BofA back in 2019, originally by Country wide in 2006. I have and ARM that resets yearly. Pay principal and interest credits, and yearly interest rates have been erroneously calculated, to the benefit of SPS, since 2019, totalling thousands, as per my recent calculation.
Nora Jane
11 months ago
trying to find out if your company is collecting money from me as it\'s stating you are.. My name is Nora Jane Hier and mailing address is 85 Pat Lee Dr. Pittsford, VT 05763
Kimberly
10 months ago
SPS Servicing Mortgage is saying I am going into foreclosure and my mortgage is $100,000 more owed on it then what the original mortgage was. It was sold to SPS Servicing 5 years ago.
Jimmy and Hortencia
10 months ago
We had no Mortgage as of 2010 when our lender HSBC settled with the OCC treasury, our part of our settlement was stolen forwarded by an Attorney of the Greenberg Traurig Firm in Dallas, Stephanie Smiley, she came into this case 2015 fraud all the way, there was a court order in Bastrop County Court Bastrop ,Texas all given back to us, as of 2019, but they still harass us, look there is a lot to this case but we won, but can not leave us alone, We have a case in Travis Court in Austin now, it is hard as pro se, but We are fighting, if you can help us now, we have a settlement for 11 million on the case for damages we have 100% evidence plus our daughter involved, active duty navy, her gov. issued military gear was destroyed, we are willing to give you half, we have this case if only the judges would listen, no matter what we hand over as evidence like forged Judges signatures, nobody wants to listen,
Brandy
10 months ago
Select Portfolio Servicing sent us to the lawyers to review for foreclosure for back payment (we were trying to repay) without paper notification. They did call several times saying we should call to get help, but every time I called they said they could not help us. Today I as informed of two different amounts we owe to cure the debt, and that our mortgage lender does not allow them to help us with assistance. We were never told this before. Why do they say call us for help when they can\'t help. I also offered to make a larger payment to get out of the situation (not the full amount owed) and they refused. Now we are going to loose our home because nobody will help us. Can you help??
Ali
7 months ago
I have been waiting for my loan modification for almost 3 years in order to get deferment of unpaid balance during COVID forbearance program. They have been giving me a run around. Since termination of the forbearance, I have been paying my full monthly payment, however, in the past 2 months they have refused to accept my payment because they have given my case to an attorney to proceed with foreclosure. I need immediate help. Thank you.
Michelle
6 months ago
This is hard to explan as they did a bad debit on my 2nd mortgage and when i called about no statements I was told I had the wrong mortage company so I sent in some payments but then stopped as they wouldn\'t tell me were those payments were going and no statement to me. I got a 1099 to report to the IRS and they are reporting it to the credit as money owe stilled even after I paid taxes on this and they said that I still ower??
Patricia
2 months ago
I divorced in 2009. He got the house but was suppose to refinance in his name which he never did. He stopped making mortgage payments in 2020 but it never effected me as that house was never listed on my credit reports, probably due to a loan remodification he had done. Last Spring I was served with foreclosure papers. I was almost relieved that this would finally be behind me. The foreclosure sale was suppose to happen this month and I got notice that there is now a new lender or mortgage servicer - Select Portfolio Servicing - and the defendant (my ex-spouse) petitioned the court to delay the foreclosure sale. Now all of a sudden my credit score dropped 120 points and this company is on my credit report. I don’t know what to do. Or who I should talk to. Do you have any advice you can give me? Patty
Michelle
2 weeks ago
I have a friend who recently lost her husband, after his death she found out about the debt of their house and other things he had not paid-there house mortgage is wrapped up thru SPS and this company is trying to take advantage of her. Spiking payment for her not to be able to \"catch up\" wondering if she would benefit talking to you?
ward
6 days ago
want to pay them off and they refuse to work with me

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