I was asked to step into this question.
The lender is afraid to contact you directly, because it may be construed as a violation of the automatic bankruptcy stay, which would open the lender up to a contempt order and damages for attempting to collect your debt.
This is somewhat a judgment call on the lender's part, because discussing the debt with you is not by itself a "collection" attempt under the bankruptcy code.
The botXXXXX XXXXXne is that the lender has the right to foreclose your loan, because of the bankruptcy. But, it can simply refrain from doing so, while your payments are current. And, as an artifact of the bankruptcy process, the lender has no legal obligation to communicate with you, because there is no longer an enforceable loan contract.
Hope this helps.
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