Frequently Asked Questions

River Flow Funding is a loss mitigation and debt resolution company. We work directly with homeowners to discuss their situation and the options available to them. If you have received communication from us, we are now the holder or servicer of your loan and are reaching out to help — not to add pressure.

We also offer borrower consulting services to homeowners nationwide, even if we do not hold your loan. All of our representatives are FDCPA- certified, and we hold a California Debt Collection License.

River Flow Funding may now be the holder or servicer of your mortgage loan. If you have received a written notice or letter from River Flow Funding identifying itself as your new lender or debt holder, it is likely that your loan is now managed by us.

If you are uncertain whether River Flow Funding owns your loan, call us at (888) 438-0026 or email solutions@riverflowinc.com with your name and property address. We will confirm in writing whether we hold your loan.

Under the FDCPA, you have the right to request written verification of the debt within 30 days of receiving written notice. We will provide that verification upon request.

Yes. River Flow Funding is a licensed debt collector operating in compliance with applicable federal and state law. We hold a California Debt Collection License, and all of our representatives are trained and certified under the Fair Debt Collection Practices Act (FDCPA).

If you are ever uncertain about the legitimacy of a communication you receive, do not provide personal or financial information until you have verified the source. You can always call us directly at the number listed on our website to confirm.

Banks and financial institutions periodically sell portfolios of non-performing (defaulted) loans to investors as a way to manage their balance sheets. This is a common, legal practice in the mortgage industry.

When we purchase these loans, our primary goal is to work with the homeowner to reach a resolution — ideally one that allows the homeowner to remain in the property or exit gracefully without the full damage of a foreclosure on their record.

Depending on your specific loan, your servicer may be one of the following:

• • FCI Lender Services, Inc.
• • Madison Management Services, LLC

Your servicer will be identified on any monthly statement you receive. If you are unsure who services your loan, contact River Flow Funding and we will confirm.

Your loan servicer can assist you with:

• • Monthly statements and billing inquiries
• • Payment histories and account balances
• • Payoff quotes
• • Escrow account questions (taxes and insurance)
• • General servicing inquiries

For loss mitigation decisions — such as approving a loan modification or short sale — those decisions are made by River Flow Funding as the loan owner, not by the servicer.

"Loss mitigation" refers to any program or agreement that helps a homeowner avoid foreclosure. Options include loan modification, repayment plans, forbearance, short sale, and deed-in-lieu of foreclosure.

Not every option is available in every situation. Eligibility depends on your income, the current value of your property, how far you are behind on payments, and the nature of your hardship. We evaluate each situation individually before recommending a path forward.

Start by completing our borrower intake form. A representative will contact you to walk through your situation and gather the documents needed to evaluate your eligibility — typically including recent pay stubs, bank statements, tax returns, and a written hardship letter.

If you qualify, we will present the modification terms in writing for your review. There is no obligation to accept.

Under federal guidelines that apply to many mortgage servicers, a complete loss mitigation application submitted before a certain foreclosure deadline may require that foreclosure proceedings be paused while the application is under review. However, this depends on the specific circumstances of your loan and where it is in the foreclosure process.

Do not assume that submitting an application will automatically stop foreclosure. If you are facing imminent foreclosure, contact us immediately at (888) 438-0026 so we can advise you on the urgency of your situation.

While the specific documents required depend on your situation, most loss mitigation applications require:

• •Most recent 2–3 months of pay stubs for all borrowers
• •Most recent 2 months of bank statements (all accounts)
• •Most recent 2 years of federal tax returns
• •Written hardship letter explaining your situation
• •Profit and loss statement (if self-employed)
• •Most recent mortgage statement

Our consulting team can help you gather and organize all required documents. See Consulting Services for details.

A denial is not necessarily final. You may have the right to appeal the decision within a set timeframe. You may also qualify for a different type of loss mitigation — such as a repayment plan, short sale, or deed- in-lieu — even if a modification was denied.

If your loan is now owned by River Flow Funding, we may have more flexibility than the prior servicer or lender. Contact us to discuss your situation even if you were previously denied.

The Fair Debt Collection Practices Act (FDCPA) is a federal law that governs how debt collectors communicate with consumers. It prohibits harassment, false or misleading representations, and unfair collection practices.

Under the FDCPA, you have the right to:

• •Request written verification of the debt within 30 days of receiving notice
• •Dispute the validity of the debt in writing
• •Request that communications be in writing only
• •File a complaint if you believe your rights have been violated

For more information, visit the Consumer Financial Protection Bureau at consumerfinance.gov.

Yes. You have the right to dispute the debt in writing within 30 days of receiving our first written notice. Upon receiving your written dispute, we are required to cease collection activity until we provide verification of the debt to you in writing.

To dispute the debt, send a written letter to: River Flow Funding, [Mailing Address]. Include your name, property address, and the specific basis for your dispute.

If you believe your rights under the FDCPA have been violated, you may file a complaint with:

• •Consumer Financial Protection Bureau (CFPB): consumerfinance.gov/complaint
• •Federal Trade Commission (FTC): reportfraud.ftc.gov
• •Your state attorney general's office

Payment instructions are provided in your monthly statement from your loan servicer — either FCI Lender Services or Madison Management Services. Do not change your payment address or method without written confirmation from your servicer.

If you have not received a statement or are unsure where to send payments, contact your servicer directly using the contact information provided on this page, or call River Flow Funding at (888) 438-0026.

Payoff quotes are provided by your loan servicer. Contact FCI Lender Services or Madison Management Services (depending on which services your loan) to request a payoff statement. Payoff quotes are typically valid for a set number of days.

Payment history statements are available from your loan servicer. Contact FCI Lender Services or Madison Management Services directly. You are entitled to receive your payment history upon request.