If you're one of the millions of Americans falling behind on your house payments and you need to work something out with the mortgage servicer, you want to talk to someone in its loss mitigation department.

The following list contains the names of mortgage servicers and their phone numbers. In most cases, the numbers connect directly to the loss mitigation department, potentially bypassing time-consuming phone menus. However, you should still brace yourself for potentially long hold times, as these departments are often extremely busy.

At the start of your call, you'll probably hear a prerecorded voice warning you that your servicer may use information you provide to collect a debt. But don't let worries about your lender trying to garnish income keep you from being forthcoming with your financial information. Even if you wanted to hide income from a servicer, you probably couldn't, says Jim Diggs, vice president of counseling at Money Management International, a nonprofit consumer counseling agency.

"There's not much information a consumer can give (servicers) that they couldn't ascertain by themselves," Diggs says.

In fact, Diggs says, fully disclosing information about your income is key to keeping your home, because "(servicers) won't rewrite a mortgage or do a loan modification for someone who cannot prove that they can pay for it."

*No direct line to loss mitigation or loan resolution department.