Remember the efficiency motivation when talking to servicing companies. Be prepared. Have all supporting documentation available.
If you argue in favor of a lower value than the price demanded, have complete information about comparable sales. The servicer will have to make a case to superiors supporting the acceptance of a lower price or a less than complete payoff.
We usually like to make it easy for them to plagiarize our material. The more documentation we give a servicer, the better my chances of getting what we want.
Put everything in writing, so a new person assigned to the file can get up to speed quickly. Reference the servicer’s file number on all correspondence so employees do not waste time trying to find the loan you are writing about.
Begin all letters and emails with a short recap of recent events. If you refer to a document already submitted to the servicer, attach another copy of the letter that references the document. That way, no one has to find the prior correspondence or documents.
Remember, these are very busy people with massive internal pressure to maximize returns by spending as little time as possible on each loan. Help them, and in doing so you will help yourself.