SAN DIEGO — When delinquent borrowers do not respond to phone calls, letters or a door-knocking service, SunTrust Mortgage Inc. pulls out all the stops.

For example, in October the unit of SunTrust Banks Inc. mailed ornamental Halloween pumpkins to a group of borrowers in Arizona, California and Florida — all high-foreclosure states — who were 90 days or more past due. To entice the borrower to get in touch, each pumpkin came with a gift card worth $200 that could be activated by calling SunTrust. When borrowers called, the servicer would advise them about workout options.

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