Verify Occupancy

[Michelle Theriault]

My family and I are currently renting a lovely home.
When I came home Thursday I noticed an envelope on our kitchen table with bold letters stating IMPORTANT INFORMATION ENCLOSED. This envelope had a hole in it at the top so that it could hang on a door knob. I opened the envelope and it was a notice to call National City Mortgage or Homeowners Hope Hotline. When I looked at the envelope again I noticed in small print someone had hand written our landlords name.
My 19 year old son came home and told me that earlier in the day someone had pulled in our driveway and came to the door and asked for our landlord by name. My son told the person that his family rents the home from the said landlord. This person said she was there to verify occupancy. She gave my son the envelope and asked him to give it to the said landlord. He left the envelope on the kitchen table.

We contacted our landlord and he refuses to talk with us.

Please Help! What does this mean??? Is our landlord about to be foreclosed on???

[Jon Holdman]

National City Mortgage is a real mortgage company:

http://www.nationalcitymortgage.com/

Homeowner's Hope Hotline is a government sponsored (or some such) program to try to help people avoid foreclosure. The success rate of this program doesn't seem very high, but it is a legit program:

http://www.hopenow.com/

Now whether the person at the does represented the lender or not is a good question. They could well have been an investor looking to work a deal with the owner. In any case, there appears to be something going on here.