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You must read this entire document at the time you apply for the loan. To apply for HAMP, call the number on the "foreclosure alternatives" letter.You will reach someone in a call room. If you are having trouble paying your mortgage or have received a foreclosure notice, contact your lender or loan servicer immediately. Paying on time can pay off big time! Assistance for homeowners and . . . 1 billion on redefaulted mortgage modifications. Under CFPB rules, mortgage servicers should not make first notice of filing for foreclosure until the homeowner is more than 120 days behind on payments. The most glaring example is the loan modification denial letter. The borrower will not get much advance notice – Georgia law requires that the notice be sent at least 30 days before the date of the proposed foreclosure sale.