Thanks for your post. More important than finding another member who has Morgan Stanley is this. First, no one here can offer you any advice without knowing your state, your numbers, and whether your 2nd is purchase money. Second. If it were me, I would not be communicating with SLS and making offers. For guidance, I recommend you view the settlement guide at post #1 of the following thread. http://www.loansafe.org/forum/debt-settlement/37996-strategy-settling-your-2nd-94.htmlDoes anyone have SLS as servicer with Morgan Stanley as Investor? I really feel that I have misinformation as it seems NOBODY here has Morgan Stanley but me? How is that possible? My loan started as Countrywide then one other and Saxon, and now MS/SLS. I really do want to settle but would like to see others experience. So far SLS calls continue to be a nuisance and not productive at all ... I have asked about settling several times over the last 8 or so months and they tell ME to make an offer, want financials etc.... when I suggest settling at 2% the conversation pretty much ends with a no, they don't even counter though one guy said that Morgan Stanley allows 25% (PULEASE!). They have not sent any type of settlement offer by mail, press me to hard for info so I stopped answering. I'm losing track of when I last paid but it was about 20 months ago.