Not for a consumer. 

On your first several notes I would also strongly advise that YOU NOT contact the borrower directly as it is far too easy to violate rules established by Dodd-Frank and the Consumer Finance Protection Bureau.  

Please note you really want to work with a qualified and knowledgeable professional if you are going to activate this option, as the documentation is cumbersome, time-consuming and enormous and also requires coordination and reporting with the custodian and the IRS.

I would concentrate first and foremost on getting out of consumer debt. 

I've built businesses including my own startup and developed new consumer products.

I don't care what situation the bank or property holder is in; this is unscrupulous, misleading, and deceitful practices.If we don't get back to the original acceptance price, I plan on reporting it to Consumer Financial Protection Bureau. 

The most time consuming and involved acquisition strategy of buying distressed, fixing up, and getting rented to tenant has the highest return.  

Thank you to everyone on this platform that has shared their wisdom!  

The services you listed above are exactly the things that consume my time and take me away from other more profitable things.  

The only distinctive difference is that instead of a consumer as the seller, you have a bank (investor) as the seller.