That article isn't the same. They stopped paying their mortgage because that was a requirement for the TARP loan modification program. They didn't get the modification and as a double whammy fell even further behind on payments.

My issue is with banks, landlords, and utilities where you send payment and they act like you didn't. Then threaten you with all types of legalese. This happens all the time for long term, rent-controlled, and rent-stabilised tenants. The landlord is trying to find any reason to throw you out. I've spoken with housing advocates and legal aid on this. If the owner starts acting up, i.e. not cashing checks while simultaneously sending you eviction notices, document everything. Spend the extra dollars to send a certified letter and keep the receipts.

> Spend the extra dollars to send a certified letter and keep the receipts.

Entirely agree.