Should we get a lawyer for the problems we are having with our mortgage company, Litton Loan?

Around the 20th of February my husband got a call from the foreclosure department announcing that they had not received payment since October, and that our home was in foreclosure, according to there records we owe $ 7,290.00, $ 2,880 of which was attny fees, and $ 118.00 in late fees. I, being the bill payer, called them the following day, where they informed me that, according to there records at that point, they hadn’t received payment since August. I got copies of bank statements and faxed the statements with a letter of dispute to the customer research department, waited 2 days, and called LL back to see who received the fax and how long we would have to Waite to hear back from them. During a two hour conversation with customer service I was informed that the research department would get back to me with in 10 days. I explained that all we wanted to do was figure out what the problem is with our mortgage and pay it. The girl from customer service informed me that, according to her records, the problems started back in February of 2008, when they weren’t receiving the full mortgage and escrow pmnt. She was unsure of the details of the information she was giving me, and had to put me on hold several times to Speak with her supervisor. Our conversation was only confusing, and got us nowhere. In our loan agreement we chose to pay escrow and insurance separately, but her records show we agreed to have escrow billed along with principal and interest. 20 minutes later she apologized and said that all of this actually started in January 2008. My husband was in bankruptcy last year from January to end of March, so the customer service rep advised me to Speak with the bankruptcy department. I was transferred, I spoke with the bankruptcy rep for about 15 minutes, giving her the details of the drama, and requesting she locate the disbursement of a $ 4,000 check we paid via phone on March 25, 2008, at that time we were informed that our payment would have our acct in good standing and we could go back to paying principal and interest only. {How It Started: At that time LL paid our escrow for 2007 (without our knowledge) and began foreclosure due to payments not made in full, and again refused to accept payments until paid in full. We only learned of the near foreclosure when I called the tax assessors to find out how much we owed, they told us LL covered the taxes. We called LL to pay them for the property taxes and discovered that because they payed property taxes we ended up owing $ 1000.00 in attny fees and costs, piling up w/o our knowledge.} Back to the present: The Bankrupt rep contacted me after two hours of researching our acct, and informed me that she found the $ 4,00 payment had not been disbursed properly, she made adjustments to our acct. I was told to send payment of $ 1,577.00 to be combined with $ 777.00 they have in forbearance and that we would be caught up through Feb, and need to send payment for PRINCIPAL and INTEREST for Mar. I overnighted the payment with a detailed letter of the issues, happy as a clam, and called a few days later to make sure that payments where applied as discussed… to discover that they have returned that payment now, too. The bankruptcy rep avoided my calls repeatedly, and when I finally got her to speak with me on the issue of the returned check she said that there was nothing further she could do, that she didn’t know that we were in foreclosure (which she did, it’s why I called her), and that we needed to speak with the forclosure department, to see if we qualified to work out a payment plan. We finally got ahold of the foreclosures department yesterday (as they too where not returning our calls) where they state that we owe $ 3,370.00 not including attny fees, dating back to October. They’re payment record is also incorrect, and the rep said I will have to wate up to 30 days (remember: I was told 10 before) for the research dep to send me correspondence regarding the fax I sent them. The foreclosure dep had no idea what the cost of the fees were, and attempted to shoo me off by telling me that it could take 24 to 48 hours for them to get back to us on that. But on the other hand they were willing to see if we qualify for a repayment plan. When I stated that there was no need for that, that we have the payments to get caught up, (as they have been returning all the payments we make, the mortgage is piling up in our acct) we just need to know how much we owe in attny fees, suddenly he was able to call the attny office himself and put me on hold while he found out how much we owe. When he got back to me I was informed that we owe a total of $ 2.877.00 and $ 156.00 in late fees, our new total (since the adjustment- which his records now show) is $ 6,247.19. That’s a difference of $ 1,043.00 from the original charges, that covered principal and interest, but the attny fees didn’t change??? What???The adjustment brought us up 3 months, and the rep wasn’t even posative when the

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