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Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu. Select Portfolio Servicing is the organization that XXXX XXXX XXXX sold my home line of credit to almost XXXX years ago. I obtained a home line of credit from XXXX XXXX XXXX who approached me in XXXX with a XXXX line of credit due to the appreciation of my house that I purchased in XXXX. They sold my both my mortgage and the home line of credit. I began struggling XXXX years ago as I was layed off from my job that I had been at for XXXX years- which I have never recovered from. I was working XXXX jobs until I fell and hurt my back XXXX years ago and can only work my day job. I fell behind again earlier this year in my payments to SPS due to car loss and home repairs. In XXXX I applied for repayment