Select Profolio Servercing SPS 15 month long Modification Process Salt lake city Utah

SPS is the Servicer of our home in Ca. US Bank is the Trustee. SPS has serviced since 07. Our home was severly underwater in 2011. Therefor a HAMP modification took place. After months of slow response, we were given a Modification. Ufortunately it was definetly a band aid on a bullet wound. We had no choice than to take the Mod.  Getting out of this Mod was a huge focus by 2013. Intrest rates were super low and valuse were on the rise. A second attempt of a Modification that would be more traditional was a hope. A second Mod attempt started. No one would help unless we were falling behind. I made attempt of a Hamp but the loan was not FHA. SPS required us to be delinquent. Here we are 15 months later and two Mod denials.  Taking 15 months to modify a loan is absurd. All documents were asked for and sent to them with in 3 days. They took 4 months on one occasion to here results. My diligance and phone calls got nowhere. Now that the loan is over 12 months delinquant, they are asking we come current with the loan before and or if they can  help.

Had SPS be a little faster is the process, We would have wrapped this up in under 3 months. Seems my only avoidance of forecloser, was being involved in the Mod process. Now Im outside the Servicer parameters and guildlines.

What to do.....With I could deal directly with US Bank...