I'm no expert by any means, but if Litton has screwed up your credit rating to the point it's going to take 7 years to fix, if it can be fixed and you are going to end up losing your home you have nothing to lose here. I have a sister going through the same as many of you. She is paying her loan and Litton says she's behind by 6 months and has no record of her payments. She has written and talked with a backruptcy court, state representatives, attorney generals in two states and still nothing has happened. I hope at least... read full review »