- Make sure to keep notes of all communication with the bank or lender including the date and time of contact, if you talked over the phone or in person, the first and last name of the contact and the outcome result of the phone conversation.
- If you made any oral requests, make sure to follow up with a written letter restating what was agreed or requested orally.
- Send your letter via certified mail with a return receipt to insure they’ve received your letter
- Keep copies of all letters and enclosures and forms.
- Meet every deadline given you by the lender or bank
- Stay in your home during the process
- Initiate calling the bank or lender if they do not return phone calls.
- Make sure to keep following up.
