NO, it is fulfilling a requirement of the law in your state. Its called a "Right to Cure" default letter. That is a Right To Cure Letter and you need to satisfy it before it expires. Why you ask? In most states (some the lender has to send out each time you're behind) a Right to Cure that is not satisfied before it expires is in affect for a year. Should you not satisfy the cure and fall behind again say 2 months later the company can exercise their rights per the contract you signed.In most cases if you float (mail) a payment in every 30 days the lender will usually continue to carry the loan. Then again I wouldn't bank on that since every lender is different.
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