7.06.110 Conditions

Before a borrower/mortgagor becomes ninety (90) days delinquent on his mortgage payments and before any foreclosure action or activity is initiated, the lender/mortgagee shall complete the following:

(a) Make a reasonable effort to arrange a face-to-face interview with the borrower / mortgagor. This shall include at least one trip to meet with the borrower / mortgagor at the mortgaged property.

(b) Lender/mortgagee shall document that it has made at least one phone call to the borrower / mortgagor (or the nearest phone designated by the borrower / mortgagor, able to receive and relay messages to the borrower / mortgagor) for the purpose of trying to arrange a face-to-face interview.