Many people ask me if they should stop making payments on their loans to expedite the processing of their loan modification and short sales. As a Realtor, it is not ethical for me to tell anyone not to pay on a debt; however, I can tell you from experience, you will not get much attention if you are current on your loan. Your lender is not on your side. They are not your friend. They exist to collect money from you. If you are current on your obligation, they have little incentive to help you because they are getting what they want. Every time you talk with them you hear the statement “we are a debt collecter, we are attempting to collect a debt”. You hear it so much it fades into the background, but that is the essence of any conversation you are having with them. They want your money plain and simple. If you are trying to modify your loan or short sell your home missing some payments may be essential to your success, but you didn’t hear that from me.

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