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"Those individuals have a very unfortunate situation. I've always felt it was possible this could occur, but I've never seen it in any of my clients," Kent Anderson, said. The first thing he said threw him off was the lack of a "hello" and "goodbye" letter. He first explained that neither of the banks owned the loan, but they were servicers. This means they collect the money for the entities who own it. He said that servicers often get switched around, but when that does happen the current one will send a "goodbye" letter to the homeowner and the new one will send a "hello" letter. Looking closer at the situation, the lack of those letters made Anderson believe there was simply a mix up with the bank contacting the couple. Whether it was due to similar names, addresses, or anything of that nature, he said they likely got their information by accident, and once they believed they needed to collect the couple's money, they started attempting to do so. "They don't just get one of them at a time, and one person that says, 'okay this is the Smith loan,' set up a little file folder.

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