If the mortgage was sold on the open market to a secondary investor, you will likely deal with a trustee owned by the lead bank who originated it. B of A uses "Recontrust", and other banks have their own trustee organizations. They consolidate the interests of different tranche owners of each loan, but the lead bank usually maintains the "servicing" rights.

It is what it is. Between trying to work out a modification and filing for BK, that is the best thing you can do to delay the actual foreclosure, but it will not stop it, ever.

Like I said before, if they have equity, try to sell the house.

As far as the cats are concerned, the kitten rescue facility in Shelton is top notch. They were the source of a number of our kitties over the past 15 or so years. They take great care of the animals and find good homes for them.