My husband lost his job in Dec 2008 and did not find full time employment till Dec 2009 in June of 2009 I ask for a remodifaction  I was told I was on a 3 month trile period all this time Saxon morgage kept saying we need this or we need that I sent eveything to them I also had sent paperwork to other companies that said they were working with saxon morgage with my loan.  In January 2010 I did not receive my monthly statement so I called and talk to a rep and was told I qualified and what my new notes would be.

I started paing the new notes and on April 19 I received a cerified letter that I owed them 10,000, or they were going to foreclose on my house.  I called saxon morgage and was told I did not qualify and that I had three choices forclose/quick sale/or deed in lieu of repossion.  I ask why I was told that I qualifed she said she did not know who told me that but that they were wrong.  I told her that I did not just pull the figure out of my head and she told me there was nothing she could do and told me that she was not susposed to tell me this but to go file bankruptcy.  I have work hard for a year so keep what I have got and been put thru the wringer.

I have cried for five days straight and do not know where to go from here.  I have caught up all my bills and thought I was thru the rough patch but this year has just pushed my over the edge.  After reading other people's posts it helps to know I am not alone we need help.