[B]anks are simply an immensely large, somewhat malfunctioning machine. The guy talking to the customer doesn’t have a clue what is going on. When a loan is in default, it gets kicked over to the loss mitigation department. The loss mitigation department sends it to the foreclosure mill attorneys. These attorneys have a contract that says they file a complaint on one day and a motion for summary judgment so many days later. The whole process made sense under different economic conditions—but the banks are sort of like those scientifically-inaccurate brontosauruses whose neurons don’t operate quickly enough for the tail to tell the pea-brain that its ass is on fire in time to do anything about it. Apparently some of the servicers have a two-week-long fax queue. So, if you fax something today, the servicer has a fax machine constantly spitting out paper that will get to your fax in a few weeks. Then you get to roll the dice on whether the person gathering the faxes will actually get it to the right person.