Complaint Review: SPS Select Portfolio Mortgage servicer U. S. Bank

 This company is a rip off. They are in the business of taking your home especially when you have been subjected to a very very bad predatory loan as i have been without knowing. I know you will think I should have known but my circumstances odd as they are are real and true and a ex friend who know my situation and worked for a company and now I know she acted like she was going to help and only helped hurt me. However SPS who purchased my mortgage from another company first wells fargo than chase and than SPS. My interest rate is over 7.3% untill 2020. When i could no longer afford my mortgage due to disability i fell behind. Waiting for SSDI was almost two years but i waited for SSD to restart and kept SPS aware of the status. They continued to except partial payment of at least 500.00 a month until i sent them a letter stating that I was given a date with the court and that i know it would be approved for my SSDI. Thousands of late fees and other charges. The whole time they were suppose to be modifying my amount according with the Hemp/Hamp and government help programs and here we are two years alter with no modification. March of this year my first check started and they wanted more than my check was per month. They are forcing me to get a tenant and than another i have asked the to accept my whole SSID check until they modify and they will not take it they say. Wait for the modification. Meanwhile the late fees are going up and up and other charges i dont even know where they come from. I am working with an agency now for over a year and still no finality. i even feel at times the agency is working with the bank/SPS and not in my favor. I get mails pilled up and phone calles often even though they know about my social anxiety and how bad it is one of the reasons i am not working. After sending and re sending forms they say i didnt fax, though i have proof of faxes, still no modification. i go to court mediations with the bank and the agency and still SPS harasses me via phone calls and mailings. They have even started calling family and friends asking for me and telling them that i am being sued and they have been looking for me and trying to serve me warrants and that if i dont make my self available for the warrant they are moving forward in court. Wait..... but i have been in court and still go for mediations so why are they calling people that. Know me and telling them my business. i am a private person and this is stressing me out very badly and adding to my dissibility. i need help. i cant sleep but 2-3 hours and then my worry and thoughts start. i don't want to give up my home with out the fight yet its stressing me terribly. What can I do? i seem to get no relief or real solution. Im forced to go to court and meetings and my anxiety they know makes it hard for me to do subjecting me to further harm. I want to pay them. I want nothing for free, i just needed help at a time when I could not help myself and until i could do for myself. My thoughts are if I were dead i would be better off though i am not suicidal but peace with God would be much better than what they are putting me through. Its affected my relationship with family and my most important , my daughter,. Our relationship was so tight and loving and its so strained at this time. I need an attorney, class action, or help somehow someway.