Don't go there! Don't talk to Suzy on the phone. When she answers you might ask, 'Is there someone I might speak with who is responsible and able to make binding agreements on behalf of your corporation?' Or 'Suzy, do you mind if I record this conversation? Could I have your social security number for the record? Yes, a social security number is just something i use to verify your identity later on, just in case we both remember things differently. Yes, I realize in Pakistan you don't have such a thing as social security number, do you have some other form of identity verification? I'm sure there are other people named Suzy over there too. BTW, have you worked for XXXX very long? I didn't realize they had offices so widespread. Oh I see, you work for a service that collects information for a wide variety of companies. Listen, do you know much about refrigerators? Mine appears to be working, but it's making clicking noises occasionally, and I'm not sure exactly why. Usually it hums, you know. Well, it's probably nothing. Is your refrigerator over there running right now? OMG, well I guess you'd better go catch it, darling...'
In preforeclosure, don't send money to anyone. Talk to these people in writing only. Your mortgagor is required to provide a single point of contact to deal with whatever issues may arise, and represent the interests of the corporation. My single point of contact was Melanie, who was never at her desk, but always available to return a call after the beep. We never talked. We did correspond, or I should say, I corresponded. I don't know if Melanie was able to type, or even if she actually existed. In preforeclosure, we have a muddy situation. As Kung Fu Tze used to say, the faintest ink outlasts the brightest memory. Ink.