That’s what I figured too. Make sure to be the biggest pain for them. Seems dumb to put someone that is savvy and not a rube on a list to be called more. I would think the not answering scam calls would get you more calls because they are unsure of you.
They do if they have no savings and the payments are more than any income they are getting. It’s better to quickly sell before the fees start for non payment. There are also options to put your home on forbearance while it’s on the market so the homeowner could have done that immediately to prevent the house being repossessed.