The PHH people with whom I have spoken are very pl...

The PHH people with whom I have spoken are very pleasant. That said, I have yet to get satisfaction from any one except the deed-in-lieu-of-foreclosure people. After two years of our submitting many, many packages of information and data, trying to get approval for a short sale, I gave up and went the DIL route (which took only a couple of months), and was assured that the debt would be canceled. The following January I received my tax form-- not a cancellation of debt (1099-C), but rather an Acquisition of Abandoned Property (1099-A). There is a BIG tax difference! After being transferred three times, being on hold for 47 minutes,, and leaving a callback number, the company called me back-- and disconnected me! Back on hold for another 14 minutes, transferred twice, until I finally got someone who directed me to Fannie Mae. And guess what! Fannie Mae said the form had to come from PHH. So back to square one.