Whenever you and your creditor come to an agreement on payment reductions, interest payment reductions or anything dealing with your debt, be sure to get the agreement in writing. If your creditor refuses to do this, put the agreement in writing yourself, date it, sign it and mail it to them via certified mail, return receipt requested.
Most mortgage owners/servicers operate debt collection processes, including workouts, loss mitigation and loan restructuring using software programs and prompts that are structured to want specific responses.
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