[877YouKeep]

This is my first time on the forum. I need some advice from anyone who is knowledgeable about Litton. I recently was offered a loan modification by Litton. They offered it to me; I did not approach them. I’ve been dealing with an ARM that adjusted upwards by $1300 month in October 2006, and I simply got behind on my payments. The offer is for a fixed rate for 30 years that would drop my payment by $700 per month. I got the paperwork in and had apprised both Litton and their third party company, Titanium Solutions, of the status all along as well as faxing copies of all documents in, but my account was moved from collections to foreclosure on 11/30. I spoke with the officer in foreclosure that same day and sent her a duplicate set of what I sent to Loss Mitigation. Now the officer in foreclosue says the loan modification has been declined by Loss Mitigation because I supposedly was late by two days getting it in (not true) and that they were going to return my money. However, I was able to reach someone in Loss Mitigation and she says that is not true, that the loan modification is being processed and they were not returning the money. Who do I believe? What do I do? The officer in foreclosure has not yet returned my call.