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When you receive a debt-collection or default notice from your mortgage lender, it's important to know how to respond. Michael Wasik, a Florida foreclosure defense lawyer, emphasizes the significance of understanding the document you received. He advises homeowners to consider their response options carefully, noting that he has helped many individuals protect their homes from foreclosure. The first step is to thoroughly comprehend the nature of the correspondence from your lender or mortgage servicer before deciding how to proceed. This understanding is crucial to formulating an effective response to the notice.