I answered, but they won't go away. FM owns my underwater loan on which a short sale is being negotiated. This message tells me that "we know the best way for you to handle your problem" and to call immediately.
They didn't even hesitate when I interrupted and told them I'm dying of cancer and can't make the payments on disability income. Still want me to make appt, drag my behind to their location and spend a couple of hours talking about solutions - when the only one that makes sense it to let me off the hook.
I have a good buyer with cash and the offer is only $30K of balance owed. They try to ask all sorts of illegal questions like if I have retirement funds I could cash in and pay the difference.