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BTW- its not only one route, it's ALL of them. The tactics I suggested, many of them, are complementary. Need time ? File bankruptcy. Case stalled? Let it ride. Refinance, get a subsidy, stop paying. Reject service, play tit-for-tat, file bankruptcy again. Start process all over in another bankruptcy district. Etc.
If you are lucky the bank will sell the loan to another collecter and you get to start from zero.
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