[KT in CA]

what should we tell them? We have no interest in a loan mod and don't plan on making any future payments. If we just are upfront and tell them that when they make that first call, are they still going to constantly call us? I really don't want the calls at our works, and I know by law they have to at least try to contact us. What if we just never answer the phone? And if they call work I will tell them that I cannot have personal calls. My husband doesn't works in the field, so when they call the number for his job, he will never be there. I probably should tell him to tell the office what is going on so they don't give them his cell phone. Just wondering if anyone has any advice. I'm pretty anxious about this part of it all.

KT