We need to redo our loan to a smaller payment, will Saxon do that?

IF enough of us default and file bankruptcy maybe it will cause them to go out of business. I will do what ever I have to to make people aware of the shady practices of saxon. I have on word for those assholes......BANKRUPTCY they can eat it I hope the go out of business. By far the worst mortgage company ever!!!!!!!!

I too am going through the same thing. I sent my work out package in April, confirmed email from Tonya Dobbins that all was received.
In July Titantium solutions was sent out. They said they never received my emailed and snail mailed package. So Tittanium sent it too on July 18.
August 18 we received letter that the house was in foreclosure, I called both places. Al said they received all the package but the w2 and pay stubs. I asked where they ever going to bother telling me that, but why did Tonja say she had it all?
On Sept 8 I call and was told we were getting a loan modification and it has not been all worked out yet.
On Sept 10 we received foreclosure papers. I called again, our case was assigned to Tyron Johnson, who I called on Sept 8 to return my call, who never did. Finally got ahold of him and you could tell he has never even picked it up, he even said he just got it that day. He then proceeds to tell us due to income we do not qualify for a loan mod. If we don't how did we buy the house in the first place? We are making more money now than then.
Doesn't make sense in my opinion.
I am hopefully going to file chapter 7 and let them eat every dime of it.
I am pissed.