Does anyone have any experience working with the collections department at CCO Mortgage? 

I have been working on a short sale HAFA approval for 8 months with Bank of America as the 1st and CCO Mortgage as the 2nd lien holder.  CCO originally gave an approval for the short sale back in October but it expired because Bank of America had not issued their approval.  During that time CCO told us that it would not be a problem to update the approval, just to call them as soon as we got approval on the 1st.  I finally got tentative approval on the 1^st, and as instructed by CCO's Loss Mitigation Department, I submitted updated financials.  Unbeknown to me or the seller, almost immediately after the approval expired, CCO wrote off the balance of the 2nd and sent it to its collection department.  Through all my conversations with the Loss Mitigation Department during this time there was no mention that this was a collection matter.  It wasn't until I received a voicemail message last week that I learned my new point of contact is a Mr. Short in the Recovery Department.   When I called Mr. Short he yelled "I have been waiting for your call since last October!" As I explained to Mr. Short the history of the short sale he told me that the HAFA guidelines no longer applied because the loan was in "collections" and he will not accept any amount less than 10%, no exceptions!  Tried to negotiate further with him and he hung up on me.  Called back to ask for his supervisor he told me he does not report to anyone at CCO and he was the only one that could handle the file.