The check was likely a result of the national mortgage settlement. Rust was the claims administrator for the settlement. As far as getting the bank to respond to you, you might want to file a complaint with the Illinois Attorney General's office and the Consumer Financial Protection Bureau.
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Do you still live in your home? Is the foreclosure case still active? Those are questions that need to be answered.
The information in this answer is not intended as legal advice nor do I intend to create an attorney-client relationship with any reader simply by answering this question or contributing as a member of AVVO.
The short answer is yes. However it is more complex than that. Most likely your objective is to either recover the home, or to defeat the foreclosure - both extremely difficult legally and politically. To start its important to look at the complaint (with the exhibits) that the foreclosing bank filed in your matter in conjunction with the PSA filed with the SEC. Understanding and analyzing the PSA governing the plaintiff's conduct in attempting to foreclose is a very precise practice of foreclosure defense. Many attorneys and people talk about securitization and PSA's however reading a PSA versus actually applying it in your case as a legal strategy are two very different things.
The financial instruments used in the securitization of your loan are extremely complex. To properly unravel the bank's documentation requires a keen understanding of the relationship of laws that govern the PSA including and most specifically the IRS tax code.
As a firm, we look specifically for loans that were allegedly securitized in a trust. If there is an assignment that is plus. Many of the documents that these trusts have used to foreclose were false documents and by using the banks own admissions and documents provide the leverage and advantage borrowers need in court. The challenge we face as attorneys is identifying the fraud. Between the bank's filed documents with the courts and the documents filed with the SEC it is possible to expose the fraud to your advantage.
It is strongly urged you find a competent attorney who not only speaks to the subject of securitization but can specifically point to how it will help you and how they intend to use it to your advantage.
Beware of attorneys who offer bankruptcy as a solution to your problem. You need a litigator not a bankruptcy attorney to use securitization in your foreclosure. Also beware of attorneys who charge you fees for their initial consultation.
Best of Luck.
This is by no means legal advice in any way, nor on your particular matter. The above statement is an assessment of information based on general principles and legal expertise in the field. We strongly urge you speak to a qualified and competent attorney who can look at your matter in detail and advise on you on the best go forward course and strategy.