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The servicers aren’t non-profit organizations. They were hit with an influx of loans tht were defaulting for various reasons from job loss, bankruptcies, medical emeregencies, etc. But recall that some people used their homes as ATM machines and that was another part of the problem. There is definitely enough blame to go around. But going forward, adding “expectations” and regulations doesn’t really add up to a solution. Fair and reasonable enforcement needs to be part of the solution.