Usually, these accounts are purchased by junk debt buyer for pennies on the dollar from the original lender who wrote off the debt as a loss and tax deduction. (doanlaw.com)
This includes an Ask your mortgage lender to write off your debt sample letter which you can use to make your request. (nationaldebtline.org)
Most creditors are able to consider writing off their debt when they are convinced that your situation means that pursuing the debt is unlikely to be successful, especially if the amount is small. (nationaldebtline.org)