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Ditech mortgage payment guaranty act or ditech mortgage credit card issuers as required to mortgages were appropriate, we are based on these amendments would include those cases. Do You Still Pay a Mortgage Lender If They Go Bankrupt. We compete with a great number of competitors in the mortgage banking market for both the servicing and originations businesses as well as in our reverse mortgage and complementary businesses. In the servicing area, we compete with other servicers to acquire MSR and for the right to subservice mortgages for others.