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text msg. offered to lower my mortgage. asked for permission to call me. i texted back that i was on the dnc list and would file a complaint if they did it a***n. no further contact so far.

STOP texting people!

**** spammer.

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Same here, a text asking to modify my mortgage. I reported them to the National Do Not Call Registry. here's their link: https://www.donotcall.gov/register/reg.aspx

Text message with an offer to modify my mortgage.