I have been dealing with Selene from 2012 till now. I am in NJ, They would not take my payment and take loans over to take the home, that is a fact, they do not even have the right accounting, and add property fees such as mowing your lawn, they are a nightmare and the new AG off NJ needs to stop any foreclosure they have ,they buy in bulk for pennies on the dollar, most people never missed a payment and they dupe you into foreclosure.There are a few Facebook sites that are up and coming in NJ Exposing Foreclosure Fraud in NJ, Homeowners Against Mortgage Servicing Fraud, these sites have alot of info as the system is set up for these lying servicers,