The Mortgage Debt Relief Act of 2007 is still in effect and goes through this year.I read a fair amount of blogs and sites by SS agents and SS negotiators.

Yep Steve pretty much nailed it.After the consumer files a BK they have now bought months and months of time even if the plan isn't confirmed.They breathe a sign of relief and could care less about you the investor.Where the money lies is to keep tracking them on the Fed BK site and look for a motion to dismiss the case or a relief from stay filing on the house.You can get to them early this way as it takes a few weeks to a month to process out the request,the file to come out of the bank BK department,and foreclosure proceedings to start again.I do not know this person hucking a system but it is usually the same knowledge recast with a fancy name to believe it is different.

A DST investment can act as a relief valve by offering an alternative.

Secured some OPM at 10% and then got to work on the light demo myself (ripping out carpet and trim and doors, awesome stress relief to some Zeppelin) Once it was a shell and got some bids from some great local contractors, my mind started turning.

The Servicer has respond within 30 days of the request for relief.  

The good part of that story was that is was a huge relief to my grandmother!

What a relief! 

If the property/and or municipality is local or within driving distance, I would personally appear at the office that sent the letter and seek some relief to resolve your tenant/PM problem.

Every time I spread mud over a section of a wall it feels as though the house is sighing in relief and gratefulness for the healing and soothing salve I am applying.  

With all this info I can put to work what works for me in my business and it is a relief there are so many like minded people here.