Last year my mortgage was transferred to Selene Finance after I fell behind on payments due to unemployment. With stable income this year, I applied for a loan modification, agreeing to make three consecutive payments and have the delinquent amount deferred. I met all requirements, but after three months, I still have not received the modification documents Selene Finance promised. When I ask about the delay, I’m told it's due to legal language. Meanwhile, I've started receiving default notices, and my assigned representative has not contacted me directly—only general department staff answer my calls but cannot resolve the issue. Despite making regular monthly payments, Selene Finance continues to send foreclosure notices. It appears they have breached our agreement and are proceeding toward foreclosure. What legal steps can I take to enforce our agreement, prevent foreclosure, and secure the promised modification documents, given my compliance and their lack of follow-through?

Let me also add that started 45 days after the three month agreement period that was met.