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I entered into a repayment program in Sept '11 with the creditors that my mortgage company hired. I have been making all my payment on time, however I have received forty (40) letters of foreclosure and sale, a notice was posted on my door and I am being solicited left and right. The creditor company says when I pay the 2nd to last payment (which is the April payment) they can stop foreclosure proceedings. However the repayment contract states that "foreclosure proceedings will stop" as of the contract date, but they have not. What happens if proceedings aren't stopped in time? The supposed sale date of my home is May 4th, but the last payment date is May 15th!! Is this legal??I was denied the modification and this was a payment plan to catch up on the debt and get me current. Then I would be making my payments directly to my mortgage company again instead of through the collection agency. I have done everything correct and I could still loose my home after paying back all the money?