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In this video, attorney Michael Wasik discusses how homeowners should respond to debt-collection or default notices from mortgage lenders. He emphasizes the importance of understanding the document received before deciding on a response. Wasik, a Florida foreclosure defense lawyer, highlights that he and his partner, Jason Ricardo, assist individuals in facing foreclosure with dignity and offers guidance on protecting one's home. He aims to equip viewers with the information necessary to handle such notices effectively and to clarify the steps to take upon receiving a notice about being behind on mortgage payments.