Select Portfolio Servicing, Inc Mortgage Complaint

Select Portfolio Servicing, Inc Mortgage department,

Conventional adjustable mortgage (ARM) Loan modification,collection,foreclosure California

I received this loan in 2007 and was unaware that I had a negative amortization loan that would adjust and grow a balance every month. I am - and needed the funds to repair my home to accommodate my illness. I fell behind as soon as the loan adjusted and have been unable to get help with keeping my home. I can afford to pay my old payment based off of that loan. I was recently under review for a modification and was denied, they say I do not make enough money to keep my home and will not work with me to give me a payment close to my old payment. I do not agree that my income is insufficient, I can afford to make a payment but I can not seem to get the assistance that I need from SPS to keep or even short sale my home. They have advised me that they will proceed with foreclosure instead. I do not want to be homeless and the very least I would like the option to short sale under the - program.