Adapt to Survive.   I've been involved in loan workouts for 20+ years. 

Historically, loan workout proposals were introduced to the lender by the consumer, or by a professional or volunteer consumer advocate on behalf of the consumer.  The loan workout proposal was a formal unsolicited application which included an identification of the problem,  possible and likely workout scenarioos, supportive documentation, projected costs the lender would incur to cure the delinquency/default/foreclosure, and, a workout schedule. 

The 'problem loan' was assigned to a dedicated, full time, in house, well trained, loan servicing loss mitigation representative who worked the underperforming loan from its delinquency to its resolution. 

Not No More!  It's a brand new day!  And its an overcast, gloomy day, too!

Disregard as gospel everything you've learned from books (even my books), courses, seminars or from experienced loan workout pros and instead compare past experience against your own experience. You must adapt to survive.

Today, and in the forseeable future,  the loan servicer calls the shots.  The best advice I can offer is to maintain your professional composure, be prepared to repeat yourself to a series of untrained reps who are hired, and then assigned hundreds of files on a daily basis with barely a minute to review data hastily inputted and likely inaccurately into their loan servicing program by personnel who might not have a firm grasp of the language, and assume your application/documents/ communication log will be misplaced, lost, or intentionally discarded. 

If the loan servicing rep perceives your impatience.... be careful. Months of your hard work can be dispatched to the recycle bin with a flick of a keystroke and you may have to start from scratch.

Assume you will be lied to (whatever isn't written is rotten!) , but don't take anything personally.  Your demeanor and followup skills will be crucial to the continued viability of your deal.

The lender's workout terms proposed may not be in the best financial interest of the homeowner/borrower... but you can bet your bottom dollar the lender will only do what is in its best financial interest... and WE are not privvy to what the lenders' best financial interest might be.

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