Hello I am a licensed attorney here to help you with your question, please review my response and do not hesitate to ask for clarification
Are you facing a foreclosure summons?
Did you file an answer to the summons?
no summons yet
A letter is just a request for information, it may be responded to, however in most situations
it will not be.
In NY, through your answer to the foreclosure summons you can respond to the summons claiming a TILA and RESPA violation as affirmative defenses, and they would have to respond,
you then would force them to have to provide you with all the mortgage documents, and title fees and reports associated with your case.
If you have any further questions please do not hesitate to ask.
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