Many of my clients are feeling the pressure of delinquent mortgage payments. One client attempted a Short Sale, a Loan Mod and a Deed in Lieu. All three were denied so they threw up their hands and said "Foreclose" That was more than 3 weeks ago and yet the collection callers keep hounding them. The wife just called, crying, because the Debt Collector today "just wanted to update the file" for them. These are people who had not moved or changed their phone numbers for over 10 years. Frustration mounted when, instead of promptly answering her questions, the Debt Man kept saying "my system is slow" and turning it back to asking for her cell phone number. She hung up, in tears, and called me for help. In the moment, all I could do was listen. But later today I'll be going over to help them put something in writing to try and stop the calls.
I wonder what the long term mental health fallout of this is going to be. Sure, there are people "working" the system, but there are millions who have fallen on hard times and are nearing their breaking point. I do my best to treat them kindly and help them.
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