IMPORTANT -
The game lenders and servicers sometimes play is to drag out a foreclosure and/or modification as long as they can in order to keep high interest rates accuring interest at that higher rate and run up their fees, including padding attorney fees and expenses, as a bold move to enrich themselves far over the interest 'spread' and servicing fees they make.

When you file an answer to a foreclosure action or counter-sue them, they may rub their hands together seeing additional money flowing into their hands eventually, yet those are usually the only things that may prevent them from wrongfully treating you and predatorily take your money from you.

In Florida, and possibly your own State, just the meer planning and implimenting such a larcenous scheme is considered theft in itself.

Another reason lenders and servicers feel they can get away with wrongful activities, is that under many statutes, a borrower must PROVE actual damages, and most borrowers don't understand their rights let alone the wrongs these insitutions are commiting and have absolutely no idea how to measure or prove up their actual damages, which could be astoundingly high.

STATUTES MAY ALLOW AS LITTLE AS $100 for violations of the different acts, statutes, codes, laws and regulations that lenders and servicers break, hardly a deterrent.  It is easy to see whose side elected officials, regulators and legislators are on.  Who makes the most political 'contributions' and does the most 'lobbying', you or they.