Not sure if this is the proper forum for this question but here is the situation.

I just received a letter from my lender on my primary residence. It basically states how much I owe on the mortgage and that if I wish to dispute this figure I must do so within 30 days. It just came out of the blue and I've never had a letter like this despite many loans over the years.

I am wondering if this is an attempt to find a legal way to disallow a shortsale on a primary residence, in other words, to work around the Homeowners' Exclusion Exemption in some way should I have to sell before the market recovers. (It is upside down)

I also wonder if this may be because they cannot produce the note and I'm hearing of lots of people disputing their mortgages because the note has been sold so many time that no one really knows where it is.

Anyone have any ideas? I'm thinking of disputing it just because I don't understand the implications of the letter and want to bide time until I figure out what their angle is.

For the record, I am current and always pay on time, so I don't have any clue why they sent this.