Then I tried to send a message to him which was also denied as we're not colleagues.

This generally calms them right down, as they now realize that they can't reasonably deny their situation to us (we're no longer the bad guy), and also gets them thinking, "Maybe the banks (and the people sending the letters) really are trying to help us avoid foreclosure.

And rarely did we receive calls from people denying mortgage late.

Account Closed comments, this is the role of a public adjuster.When you hire a public adjuster, they replace the insurance companies adjuster and adjusts the claim per your policy.The insurance companies adjuster will always default to denying coverage, while the public adjuster will default to providing coverage. 

@Deni Hurd i am in orlando also.

Home insurance policy denies liability, so the attorney decided to use MGL chap 93a( consumer protection act )and the insurance rep says they can’t provide legal representation if lawsuit claims are for 93a statue...I’m now on my own looking for legal rep to response to demand letter.

If something isn't accurate on the application, deny for not being truthful if you have to.  

Not the ones who say "yeh, we can fund anything", then the loan gets denied just prior to closing.  

Best alternate route would likely be to litigate and use discovery to gain access to financials/books of his management and rehab companies, which he has repeatedly denied access to.

SECOND, IF SHE PAYS DOWN THE $23,000 HER LOAN MODIFICATION WILL BE DENIED.