[spm2004]

BTW, the "trick" to the QWR is not to ask for everything the first time, that way if your mod is not done in 60 business days, you can send another one saying that you've reviewed what you received and believe you need add'l documents b/c the error that is the subject of your QWR is likely in those documents. It gets you another 60 business days.

Remember, the QWR doesn't stop the collection and eventual foreclosure process if it gets to that, but it protects your credit score. While they are reviewing your loan for the mod they typically stop collection activity, but you'll need to confirm that with your negotiator before your rely. Also, you should be able to see the workout status online, and it will say if they have stopped collection efforts.