Here are a few of the notices we use.
F I N A L N O T I C E O F D E F A U L T
Date: Sunday, May 20, 2xxx
We have been retained on behalf of the lender to take immediate legal action against you. You have failed to make scheduled payments when due and are now in default of the security agreement you signed when you purchased the home at the above address. This is the FINAL correspondence you will receive.
THE FOLLOWING OPTIONS ARE NOW AVAILABLE TO YOU:
1. Pay in FULL the outstanding past due balance including late fees and lot rents due through the current date by 5 PM Thursday, May 24, 2xxx. At 5 PM Thursday, May 24, 2xxx a $250.00 legal fee will be added to your amount due. You will also be served with a date to appear in court. Your total amount today is detailed below.
2. Stay and face forced eviction by local law enforcement. They will remove both you and your possessions from the home. A default judgment will be obtained against you not only for the balance of the loan, but also interest, attorney fees, late fees, and court costs. Collection of the judgment will begin with the garnishment of wages.
3. You have 72 HOURS to release possession of the home to the note holder or its representatives and ALL past due lot rents must be paid. A note will be produced for you to repay the amount owed to ????? Real Estate, Inc at low monthly payments. Upon inspection of the mobile home to be in clean and good condition and verification of lot rents paid, no further legal action or judgment shall come against you. You will be released from the original loan.
If you do not respond to this notice by 5 PM on Thursday, May 24, 2xxx, legal action will immediately begin against you at 8AM Friday, May 25, 2xxx to FULL EXTENT OF THE LAW.
This is your final notice.
Due: April payment of $315.00, late fees of $290.00. Total $605.00 as of
Late fees of $10.00 per day are added for each additional day.
_________________________________________________
F I N A L N O T I C E O F D E F A U L T
Date:
As of 5 PM to day we will begin legal action against you for repossession of the home and judgement for the current loan balance, interest, late fees, court costs, and attorney fees. If you wish to avoid judgement and possible garnishment of wages, you must release possession of the home to us or one of our representatives in the next 48 hours. If done so and the home is a clean condition, you will be released from the loan.
This will be the last attempt to work out a solution to this situation. There will be no further contact with you concerning this option after 5 PM. All future communication will be accomplished through the court, sheriff’s department, and or attorney.
If you do not respond to this notice by 5 PM on August 24, 2004, legal action will immediately begin against you to FULL EXTENT OF THE LAW.
_________________________________________________
F I N A L N O T I C E O F D E F A U L T
Date:
We have been retained on behalf of the lender to take immediate legal action against you. You have failed to make scheduled payments when due and are now in default of the security agreement you signed when you purchased the home at the above address. This is the FINAL correspondence you will receive.
THE FOLLOWING OPTIONS ARE NOW AVAILABLE TO YOU:
1. Pay in FULL the outstanding past due balance including late fees and lot rents due through the current date within 48 HOURS from the date of this notice.
2. Stay and face forced eviction by local law enforcement. They will remove both you and your possessions from the home. A default judgement will be obtained against you not only for the balance of the loan, but also interest, attorney fees, late fees, and court costs. Collection of the judgement will begin with the garnishment of wages.
3. You have 48 HOURS to release possession of the home to the note holder or its representatives and ALL past due lot rents must be paid. Upon inspection of the mobile home to be in clean and good condition and verification of lot rents paid, no further legal action or judgement shall come against you. You will be released from the loan.
If you do not respond to this notice by 5 PM on ___________________, legal action against will immediately begin against you to FULL EXTENT OF THE LAW.