I AM IN AGREEMENT WITH ALL THAT HAS BEEN SAID ABOUT SAXON MORTGAGE.THEY BOTH OUR LOAN AFTER ABOUT 9 MOS, AND SINCE THEN WE HAVE HAD NOTHING BUT PURE HELL.WE CAN NEVER TALK TO A LIVE PERSON, AND WHEN WE DO THEY ARE UNCARING AND DON'T KNOW THE LOAN HISTORY.WE HAVE BEEN ON THIS REPAYMENT PLAN FOR 6 MOS, AND WERE TOLD IF WE DIDN'T KEEP IT UP, WE WOULD FIND OURSELVES AGAIN IN THE SAME PREDICTMENT.WE AGREED TO THE $1, 000 MORE PER MONTH($3, 000), WHICH WE WAS JUST NOT ABLE TO DO, BUT AGREED BECAUSE WE WERE TOLD THAT WAS THE ONLY WAY WE COULD KEEP OUR HOME.WE BOUGHT THE HOME IN 2007 AND WAS SUPPOSED TO GO IN WITH A $40, 000 EQUITY.WHAT HAPPENED TO THAT?WE CAN NOT GET REFINANCED.OTHERS ARE WRITING, CALLING US TO TRY TO HELP US, BUT WE FEEL WE SHOULD STAY WITH THEM UNTIL WE FIND OUT WHAT THE GOVERNMENT IS DOING.CAN'T WE JUST ALL GET TOGETHER AND STOP THIS COMPANY FROM RIPPING PEOPLE OFF?I AM SURE THERE IS SOMETHING THAT CAN BE DONE.