Real Estate Law
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You have not stated a specific question that we can answer. Further, the information that you are providing is a jumble of facts. You apparently have had payment problems for many years, and have never been able to get over the top back to a compliant account status. The type of person you need is an account specialist who can review your account from Ground Zero and bring it up to date telling you exactly how much you need in order to bring it to current status. Then you need to propose a realistic payment program that is calculated to pay everything you oh within a year or 18 months. There are programs out there that will help you but you must qualify for them and just sending in a blanket of problem issues will not work. You need the facts. I'm sorry but that's the best information I can offer you from what you're telling me here. I'm fully in Agreement if you are not able to rate this answer at this time.
I was not the person who answered you previously, but the Federal Banks are regulated by FDIC. https://www.fdic.gov/