Mortage Companies on Checks - Harder Than Ever to Get Paid

So I just had Wells Fargo hold my funds on a completed job for 45 days. Why? Because they could. It finally took me telling them they had 24 hours to get me an overnight tracking number or I would be placing a lein on the house and filing suit against their mortagee immediately.

With that said, it seems like it is taking forever for these third party escrow crooks to pay up. Just a poll: How many of you are having the homeowner sign the check over to you “only” for services rendered, and depositing them without the mortgage endorsement? After all, if the contract guarantees you the insurance checks within three days of receipt, then the mortage company really has no interest in the checks because they are already contracted out. What recourse could they possibly have?