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I certainly understand the situation and your concern. The notice of default which must be sent, is typically a condition precedent, to the lender starting the foreclosure action. If you re-read the terms and conditions of your mortgage, it will likely be stated within, that the lender must send you a 30 or 45 day notice, with a chance to cure, prior to filing the foreclosure action. Moreover, the borrower may cure any default up until three (3) days before the foreclosure sale by payment of all arrearages, costs and fees to include attorney’s fees. As such, if the borrower can cure the default, they should advise the lender of such and request a payoff amount, to reinstate the loan
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