Where do I begin? I guess at the beginning. Hope everyone is ready for a true horror story worse than anything Hollywood could dream up. We purchased our home in 1998 from my parents. This is our family home that has been in my family over 35 years. We can afford our home and have paid faithfully for our home. In July 2005 we refinanced with Countrywide. No problem paid our payments until about 9 months later we got a letter from Select Portfolio Servicing saying that we were in default and they were going to foreclose. SURPRISE, who the h**l... read full review »