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We have a mortgage with Litton Loans Servicing, our original loan amount was 323,000.00. In January of 2009 we had a house fire and lost everything, contents, all that was standing was our garage and front of house. Due to the economical down turn the cost of rebuilding declined. We have an insurance policy for 385,000.00 for structure and 285,000.00 contents, like mentioned because of the economy the insurance company gave only approx. 260,000.00 for the structure. 50,000.00 came back to us for demo, clean up and up keep of the property. Obviously there wasn't enough to cover the mortgage. We contacted Litton and asked if they would accept the 210,000.00 check in keep the deed in lieu of foreclosure, this question proposed to them a year after the fire know that we were not getting anything else from the insurance company. Sept of 2010 we got a response via phone call stating No Litton would not entertain that option but would like to offer us Litton keeping the checks and tu...
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