Sorry to hear about your problems. Let's start with a few questions:(posted 9120 days ago)Who is the original lender? Who wrote the letter: the lender or its laywer? If a lawyer, which one? Was the original mortgage a joint mortgage? Who is the current lender? Is your current mortgage a joint mortgage or individual? If individual, whose name is it in? Any signs that they sold the original house too cheaply? Any signs that they took a long time to sell it?
When we know the answer to these we can move on.
Lee