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Good evening. Thank you for the question. It is my pleasure to assist you with this.
May we have the full background please because the other question you posted appears to be about recording telephone conversations at work, and not about this.
We also need to know some specific information, how far in arrears are you?
Do you own a house?
How much mortgage is outstanding and what is the house worth?
How far in arrears are you with the payment plan?
Are you paying them anything at all?
As much background detail as possible would be really helpful please. Thank you