they said i been in forclosure for 17 months, behind on payments 17 months. i sent several times pages for affordable payments, when they finally got the info. they needed, they never sent my documents. i kept making trail payment amount, and all that not count any payment, never went to past due., just princiable i think. like others it not been easy. but i really been trying, making 300. payments, my regular were 537.., if i got my documents, i be ok. . Seems they wanted to take my home. it hurts, hope i can get some good help.