Statutory language may be narrowly interpreted by courts. Federal legislation may preempt state legislation. The "third wave" of mortgage modification litigation will likely continue for some time with lenders frequently prevailing.
You'd think that if debt collectors were suing you, they'd want to make a big deal out of it, right? Wrong: Their preferred method of delivery was a plain, first-class letter. Why? Because the mere fact of mailing was considered proper notice.