How safe is my lender need and ask for lower interest rates and extended payback period to inform?

I called WAMU to determine whether they could reduce my mortgage payment burden, especially after losing a lot of money investing in stocks, and received from them a form of financial statements to meet for me my financial distress. However, I fear, if I bring potentially negative Consequenses who is obliged to repay my loan files to leave sooner or completely wrong in the files will be available to my current credit hiigh. I could then say that print at the bottom: “We are a collection agent” of the letter. I also felt confused by and could not really understand the significance of these prints in the statement, which reads as “…. With my signature, I advise you, if I agree to the following, a plan repayment of my mortgage, my mortgage or pay off my loan in full, and then, solemnly, and thus without the need for action on my part, I hereby withdraw the request for a loan workout. In Then I’ll give you direct you to take no further action to address this demand for a workout. “Representatives of the hotline are provided obviously not professionally capable and are not willing to talk further with me on the phone. I am once again filled and aftraid the statement sent to them, I’m vulnerable to approval by the lender or debt collector, to adverse action against me right nehmen.Mein concern? So what is the proper way to negotiate with your lender? Is it possible with your lender in terms of more favorable interest rate and payback period for?

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