Do you ever ignore a voicemail? Sure. You have. Pat. On back.
Have you ignored daly multiple voicemails over six months or more? Involving important business?
Did you live in the fear that to ignore a phone call would automatically make things worse for you? Did you ever, for a single second, imagine that ignoring that call, over and over for months, might equal=negotiation?
Just a question.
...I just got off the phone and after getting the $125K compromise I already had in writing after the initial 6 months of ignoring calls (while everyone is out busting their asses with loan modifications—stop paying, they'll call you), turned into a $140K compromise.
I have never filled out any form, submitted a damn thing.
When money is involved and loss of money, humans get all primal, and that's where things get worked out extra-institutionally.
Or, just act like like they want you to. Answer every call—breathlessly—so they know how much of their bitch you are.