Call the bank to defer your mortgage, they are not asking for proof of hardship, nothing.2011 trying to do a loan mod you had to wait in a convention center for 3 days and beg and plead and if and only if they the almighty banks [that caused all this] would grant some poor sap homeowner a reduction in interest payment  

It’s pretty obvious you’re guilty.

Do keep in mind that if you are not a licensed agent and you market the property for sale while under contract with no intent to purchase the property, you could be found guilty of RE sales without a license and subject to fines and more.

Forgive me for stereotyping, but I'll admit I'm guilty of thinking of Buffalo as a walk-in freezer that you pass through on the way to Canada.

I noticed people just wanted a conversation to plead why their credit is bad or they just want to see the place in person.

That property sold at auction in 1990 for 900k and there were no bidders... we were in second position at 200k and got wiped out... my investors at the time did not want to bring it current and own the thing as much as I pleaded with them that they should do that.it sold in 1998 for 3.4 mil.  

If the answer is no then by omitting key and crucial facts that could make the case to appear to be fraud.Everyone is entitled to their due process and not guilty until proven otherwise in a court of law.   

If there was not insurance in place and you have proof that Andy indicated there was, then he is guilty of fraud.

Someone with a minor drug conviction could have pleaded it down.

They'll just put you on an automated list so don't feel guilty about taking their time.