Also, I would even go so far as to send the payment overnite and certified/signed receipt with a brief letter and account notice that you are paying two payments (for months 1 and 2) in the amounts of xxx to be immediately credited to the account. Request that they (servicer) not use this (now cured) past due default status as a means to foreclose as it is your intent to keep the property. Keep it simple. This ensure your interests are protected if they refuse to credit the payment. (and continue to pursue foreclosure on this particular non-payment) You are documenting the paper trail and your attempt to make payments. Watch your bank account on it. Some will after 30 days return the check and others will cash it but not apply it to the account. Both of these actions would be a violation of CFBP rules on servicing. It's easier if they accept and apply the payments. Unfortunately, this does not always happen. They may in fact want your house. Document every call and send follow up letters. Send a "notice of error" if they do not credit the account. Continue to make the recurring payments.
