Servicing Guide

Published November 10, 2020

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What are the servicer requirements for outbound contact attempts BEYOND the 210th day of delinquency?

The following table provides specific requirements for outbound contact attempts.  

Timing of outbound contact attempts Outbound contact attempt requirements

After the 210th day of delinquency

The servicer is authorized to continue outbound contact attempts beyond the 210th day of the delinquency until one of the following outcomes is attained:

  • QRPC is achieved and/or the borrower adheres to any workout option agreement made with the servicer;

  • the delinquency is resolved;

  • a complete BRP is received (see D2-2-05, Receiving a Borrower Response Package for information on the requirements for a complete BRP);

  • the borrower has provided a promise to pay the delinquent amount by a specified date (not to exceed 30 days); or

  • QRPC is achieved and the borrower indicates that he or she is not interested in a workout option.

Unless required by applicable law to continue outbound contact attempts to the delinquent borrower, the servicer must discontinue all outbound contact attempts

  • 60 days prior to the judicial foreclosure sale date, or

  • 30 days prior to a non-judicial foreclosure sale date.

See below for related Q&A's:

What are the servicer requirements for outbound contact attempts THROUGH the 210th day of delinquency?

What is the purpose of outbound contact attempts?

When must outbound contact attempts be discontinued? 

For more information please see: D2-2-02, Outbound Contact Attempt Requirements.

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