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None. My loan was with XXXX XXXX XXXX. My payments were {$540.00} a month. My taxes were n't included in my loan payments. I became {$1000.00} behind on my taxes. I decided to make payment arrangements with treasurer of the city of XXXX to get my payments up to date. The bank decided to take over the payments and raised my mortgage payments to {$780.00} a month. After three months it went down to {$730.00}. I started struggling with the payments. I became one month behind. The mortgage company sent me paperwork for a long modification. Instead of lowering my payments they raised my payment to {$830.00}. After a month of trying to pay that amount I called and told them I could not afford {$830.00}. I was then XXXX months behind. I was told by the mortgage company that the only other option