Select Portfolio Service would not work with my mortgage with them.  They kept telling me that if I refinaced with them my mortgage would be higher than it is now.  Which I could not afford to pay two mortgages with one income coming in. So I had to do a short sale on the property and get rid of it. Is there anything I can do to get some money back on this lose?? Are they in the clear as far as their rights??  Every single time I tried to negotiate with them they declined .  I thought they were compelled to work ( by the government law) with people with the new laws that came out in 2009, 2010.  Is there anything I can do about this???