Banks like to foreclose on people they've helped rip off.
What if people started foreclosing on the banks?
They can and do. Here's two examples of how it's done.
Another story here...
What is a RESPA letter?
Simple letter covered under RESPA can solve mortgage woes. ... The qualified written request is covered under the Real Estate Settlement Procedures Act, or RESPA, a law enforced by HUD that prohibits unearned kickbacks and requires loan servicers and lenders to give consumers various disclosures.
For more info, Google "What is a RESPA letter?" There's lots of good information online.