Below is a list of forms that you may download for free from our website. Include your case number, the date of the payoff and your email address in your request.We will email the payoff statement to you upon receiving your request. A letter of explanation can clarify your financial situation and get you one step closer to qualifying for a mortgage. Be sure to explain the causes of any financial difficulties that led to credit problems or gaps in employment. An illness in the family is a compelling reason. In the event you request a modification of your loan, you will receive an updated breakdown of all amounts due to payoff or reinstate the Note and Mortgage. Bankruptcy cases have many procedures and time limits that must be met. Learn about the requirements in a Chapter 7 (No Asset) bankruptcy case. I would like to begin the process of entering into a deed-in-lieu where I transfer title of the encumbered property to the mortgagee in lieu of foreclosure.