In 2009, my wife was foreclosed on a property in Florida. I'm aware that Florida is a deficiency judgment state. The PMI company(MGIC) is the one that had to pay out and they have apparently given permission to multiple attorneys to mail out demand letters. Is this accurate? I can't find any information online with anyone that incurred this situation. We have received letters from attorneys in Denver, Salt Lake and Tampa, FL. We sent a certified letter to the one in SLC asking for explanation(never heard back from them-90 days). Waiting to send one to Tampa. Also received a letter from Independent Foreclosure Review that we'll fill out and we have ARAG Legal Protection. Any assistance would be greatly appreciated.
The question seems to be whether your wife needs to respond to every letter that "appears" to come from an attorney, and the answer is no. If she receives a letter with specific information concerning the filing of a civil action. with place and case number, further attention should be given. It could be useful to check the civil filing index of the county where the property was located, sometimes available online, to see whether she has been named as a defendant. Otherwise, it is the burden of anyone wanting to sue her to make sure she is given notice of any proceeding by service of a summons and complaint.
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