"If we are able to work something out with the borrower, were they get to keep their house, and my client gets to have payments according to the mortgage, that's a win for everybody."

VOA: standard.2010.02.17

"We look to see how much a client can afford to pay and that's how we determine how much they get -- how much a client has available after they've paid all of their expenses to be able to take on a new debt."

VOA: standard.2010.05.06