I was lucky enough to be sold to Litton Loan Servicing like everyone else. I have been dealing with this mortgage with them now for almost two years. When I had the loan with Fremont it began to adjust and Fremont allowed my to pay them $500.00 to freeze my interest only first mortgage at a rate of 8.05% for 30 years. The next month Litton assumed the loan. When the modification process came out I thought that was great to help people get the mortgage under control and help to reduce the high interest rates. I called Litton to see if I could modify my loan to a lower rate or at least a P&I loan. I was asked alot of information and then was told that I would receive something in the mail and that I needed to gather the information that they needed and fax it to them to get the loan remodified. I complied with a confirmation that the fax went through a couple of weeks passed I received a letter from Litton saying that I was denied because they never received the information. I again went through the process confirmation same letter this happened four times before I got tired of this and called lending tree. A local company contacted me and was more than willing to work with me. My credit is good maxed out but good and they said that I could get at tleast the first loan on my home refinanced at 5.5% at a cheaper payment and it would be P&I. Since I owe $150,000.00 on my home and it reappraised for 135,000.00 there was no chance of refinancing both mortgages, but Chase was still willing to redo the first at the 5.5% term and I keep the second $30,000.00 loan with Litton at 9.9%. Litton refuses to let the first mortgage be refinanced unless the second is refinanced with it. They told the broker that I was working with that there was nothing that they would do. The lady with Chase showed them how much debt to income I had credit acrd rates have jumped utilities insurance benefits. I am going in the hole. The response from Litton was that their position is that I the borrower can let everything else go and make the house payments. I asked Litton if they would at least modify the first through their company to help me start paying on the principal. I was told that if Avello who is also owned by Goldman Sachs said that they would refinance it then Litton would let it be refinanced through them. I was told by Avello good luck because I was upside down in my mortgage and that I needed to find a bank that would loan $150,000.00 on a $135,000.00 home. I want to keep my credit good and they know this, but on the same hane I am really being stuck quite hard with not being able to at least pay some on the principle. Is there a class action suit against these people that I can join and supply all my documentation to?