Do most of you ask for a verification of a decrease in income
What are you doing with this verification? You cannot refuse to grant the rate relief based on that documentation without a court order. From section 527:
(c) CREDITOR PROTECTION- A court may grant a creditor relief from the limitations of this section if, in the opinion of the court, the ability of the servicemember to pay interest upon the obligation or liability at a rate in excess of 6 percent per year is not materially affected by reason of the servicemember's military service.
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The opinions expressed are mine and they are not to be taken as legal advice.