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None. Seneca Mortgage Services is a predatory company and my case is the smoking XXXX. Their business model can be outlined in three very simple steps : 1 : Buy delinquent mortgages from upstanding banks In my case, my loan was purchased from XXXX after I fell behind on my payments while experiencing a physical hardship that made it impossible for me to work. 2 : Make sure the consumer FAILS at a loan mod or repayment program. This is something I DID NOT FAIL TO DO. All of my payments were made, in full, and on time. However, this is the " smoking XXXX '' I mentioned earlier. 3 : Send the failed mortgages to Sheriff Sale so they can make money on the sale of the property. Self-explanatory. While on vacation, a letter notifying me of my property going up for Sheriff Sale was place