You called, you waited, you finally reached a person, and they told you something that mattered. A week later you cannot remember the name, the date, or exactly what they promised. Servicer conversations are slippery that way, and the slipperiness can cost you.
Keeping your own record is how you hold onto the details. Not so anyone can fight your battle for you, but so you have a clear account of what was actually said.
You keep a record by writing down each contact with your servicer, the date, who you spoke with, and what was said, and organizing those notes in one place. EstateCircle organizes the written communication records you provide into one document. Importantly, EstateCircle does not contact, call, or negotiate with your servicer on your behalf. We are not a law firm, and we do not communicate with your lender.
01Why your own record is worth keeping
Servicer calls happen under stress, and stress is terrible for memory. When you have a written record, made by you at the time, you are not relying on recollection weeks later when a detail suddenly matters.
This is your record of your own communications. It does not put EstateCircle between you and your servicer, and it does not change anything the servicer told you. It simply keeps your side of the history organized.
EstateCircle never contacts or negotiates with your mortgage servicer. We organize the records of communications you handled yourself.
02What to capture for each contact
The record is most useful when each entry is consistent. You make the contact; we help organize what you noted.
- Date and timeWhen the contact happened.
- Who you spoke withThe name or reference number of the representative.
- What was saidA short, factual summary in your own words.
- Any follow-upWhat was promised or what you need to do next.
03How EstateCircle helps
You handle every communication with your servicer; we organize the written records you keep into one document. It is document preparation and coordination only. We do not contact your servicer, we do not negotiate, and we do not advise you on what to say.
All plans are document preparation and coordination, not legal advice. Third-party and government fees are billed separately.
- Consumer Financial Protection Bureau — Federal guidance on working with your mortgage servicer and keeping records. CFPB
- U.S. Department of Housing and Urban Development — Find a HUD-approved housing counselor who can communicate with servicers on your behalf. HUD Counselors