“Good Faith” is already in effect. My brother in law who works for Wells Fargo has said they have been doing this for years. Wells Fargo just wants it’s money, and if the buyer can only pay 80% of the payment, they will “deal” with the buyer. And if 15% of your IRA is only 10k, you don’t have much money. Leave it alone and draw unemployment
“good faith efforts” can’t get more vague than that. LOL!