Will banks sometimes cut you a deal if you are cooperative and show good will?

what goes around , comes around. If someone doesnt have a smile, give them yours. The odds are much better if you do so. Depends on the bank, the state, how far you're behind, etc. My bank? No. I've been very nice. But they're punishing me for falling behind. No deals. They're even attempting to repo my car even though I owe more than it's worth!