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None. On XXXX XXXX I contacted Specialized Loan Servicing after receiving an NOD on our property. This debt was included in a BK in XXXX and transferred to SLS in XXXX of XXXX- which we were not aware of. We were told we could make an offer to SLS to get the lien released, as we want to keep our home that we have had for 22 years. They told us to get a full appraisal, a current payoff and write an offer letter. We did all of that and submitted to them on XX/XX/XXXX. We were told it would take 3-5 business days to get an answer. We had no response from them after a couple of phone calls. Then I called and spoke to a Supervisor who did not treat me professionally and said that I had this free money and had lived there all these years without paying. My husband and I are XXXX XXXX and had wor