There will be more added, I am sure. Go for it.
1. If you are in default, call THEM. Collections will call you, but rarely speak with them. Their only job is to collect. They will tell you anything to collect. they will tell you or threaten you with anything.
2. Document everything they say, their names, the dates you talked with them.
3. Work with another dept - like loss mitigation - depending on the bank. Document Everything they say.
4. If they say something that seems off or scares the **** out of you, breathe. Call back and get another person. Nine times out of ten they will tell you something different.
5. They will ask you for your documents over and over again. It is ridiculous, but comply. Do NOT give them fuel for that insanely false excuse that they are not doing mods because homeowners are not sending in the docs.
6. Be proactive. Follow up. Don't wait for them.
7. If they offer you something you know you can't sustain, don't accept it.
8. Escalate to the executive team or the OOP or whatever (depending on your bank), if you or should I say when you get the runaround for months and months. You will find many of those contact numbers on this forum.
9. When it gets to this level, start complaining. To HUD, the OCC, your Senators, etc. You will find some of these addresses and e-mails on the Chase thread called "contact numbers," and in other places.
10. If you want to keep your home, this is a long struggle. It is a nightmare, but this place, loansafe, can help you stay sane. (If you can call ME sane at this point that is).
11. If you want to keep your home, you have to be okay with losing it. Otherwise, they have you. They have all the power.