Litton is an OUTLANDISHLY poor place for homeowners to have to deal with. They are obnoxious calling themselves DEBT COLLECTORS, even when people are 100% ON TIME, 100% of the time. They are notorious for making all sorts of account ERRORS and refusing to address or correct them, to the point of being sued by various Attorney General Offices. You MUST get advocacy, and FAST. I hope you did so, guess from date of your post it may be too late. Hope not.