About that letter you receive from the company claimed to be your servicer: PennyMac
People keep getting letters and they tend to treat the information as real simply because it is in writing. That is the nub of the Wall Street scheme — send out written communication and documents without regard to the truth and people will assume that the document or letter would not have been sent if at least someone didn’t think it was true. SO I was recently sent a copy of a communication that was on PennyMac letterhead. People forget that you can create the letterhead of any company or person and pout it at the top of your document