Saxon Mortgage rip off Forth Worth Texas

On a very beautifull day I get a collection call from Saxon, saying that they got my payment but it wasnt enough ....... I thought it was a joke at first..My payment went up over 1k a month with no reason, I called and spoke to so many people, and every time I call or they call - they come up with different stories and numbers.. My loan is due to adjust in 2009, so I thought they just made a mistake, well.... it's not adjusted because of my APR - ( as per Saxxon) IT"S A SHORTAGE IN MY ESCROW ACCOUNT.

I have made payments since March 2007 knowing that my taxes and insurance is included .. and they are .. according to my closing document.

I verified with my Town and Insurance Company, nothing is changed as far as the cost, I have all the paperwork - print outs from the Tax bureau and a copy of my current policy...

No one wants to do a refi.. my home lost it's value, no one will appraise my home for what I need. I dont know what to do I call there every day, and get different people and inforamtion, they were supposed to mail me a financial package for a loan mod and still didnt get it, meanwhile my payments are sitting in a suspense account and my late charges are growing ... I feel like I want to cry, I dont want them to lower my payment but just to leave them the way they were...

I dont want to loose my house, but I dont know where to turn, nothing makes sense, what shortage ? my taxes didnt change, my home insurance didnt either .. what's going on ???? PLEASE HELP ME - WHAT do I DO NEXT ???

Rb
Garfield, New Jersey
U.S.A.