The five largest mortgage servicers are eager to modify loans and offer principal reductions to distressed homeowners to comply with the terms of the national mortgage settlement.

But after years of dragging their feet on loan mods, they are concerned that borrowers will ignore their solicitations. Though data on response rates is scarce, some say that borrowers are so worn out from being solicited not just by their servicer but by loan modification and law firms — some of them scam artists — that many are simply not opening letters or returning phone calls.

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