Consumers have a hard enough time working with banks to resolve issues with their mortgages.  But some consumers may find it harder to get an answer on their loan modification or short sale because their loan keeps moving from lender to lender.  Unfortunately these days your mortgage may be sold in the middle of trying to agree on a workable solution.  Take a look at this Huffington Post article about a local Albuquerque man who has been facing this problem for over 2 years!  

http://www.huffingtonpost.com/ben-hallman/mortgage-homeowners-debt-home-loans_b_1373070.html