Large mortgage servicers (Green Tree Servicing, etc.) have historically been able to bypass consumer protection regulations because they hold the debt as well as actively engage in collection of that debt. These corporations constantly and consistently hound debtors with demeaning comments and threats and numerous daily calls. They also contact family members and other third parties even though they have your contact information.
Such companies have a calculated business model built on harrassment and the realization that many families will not have the time, knowledge, and resources to confront them. Many of them, also, have been the recipient of millions of taxpayer dollars. Please ensure the dignity of the Middle Class and disadvantaged by closely regulating such entities.