In my case, I have followed what you say to do. The issue here is that Caliber refuses to follow the laws or provide any response whatsoever, aside from a fraudulent one. They do not care to follow the laws because there is no real bite to those laws. Think about it--RESPA carries a $2000 statutory penalty for a pattern of violations. So, if you have a $100K mortgage, and they are trying to foreclose, what's $2K to them? And the truth is that out of every 100 homeowners, maybe 2% try to assert their rights under the laws...and then, of that number, very few actually take any legal action to recover under the laws. It's a calculated risk on the part of the lenders and servicers, they know that just about everyone will do nothing. And even if we do pursue it, the penalties are so grossly mismatched that the laws offer no deterrence at all. My interest is in making sure that the proper party is involved....THEN and ONLY THEN would I consider a loan modification. It absolutely blows my mind that the banks get away with so little in the way of documentation, when everywhere else in the business world, documentation is mandatory.