I work in the mortgage industry (short sales), and from my experience you can't deal with banks as if you're dealing with rational people. You're dealing with a

I work in the mortgage industry (short sales), and from my experience you can't deal with banks as if you're dealing with rational people. You're dealing with a computer system that spits out verdicts based on an algorithm. Threatening to not pay your mortgage to someone in the call center in India will get you nowhere..