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I am sorry to hear about this situation.
If the home has been foreclosed upon, that means that after you stopped making payments, the lender went through a judicial action to have the home sold at auction. The highest bidder gets the home. Often, the lender themselves is the highest bidder.
They do not have to share paperwork with you. Some do, but they do not have to unless you are engaged in a legal battle with them.
If one's account has been placed on hold, this normally means that the lender simply has your account in delinquent status with no payments. The lender may be deciding whether or not to file for deficiency.
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