Excellent find also, Ann!
In addition to what every one else had said. I would like to also, see all courts provide a required hearing before any foreclosure action is actually granted by the court.
Hopefully, as Dee stated give the homeowner due process in front of a judge to tell their side of the story. As in stands now, all is required for a lender or servicer to bring a foreclosure action is to file a "Notice of Debt Owed" that includes the default amount of loan, principal balance due on loan and any other charges and fees they conjure up.
Afterwards, the clerk then provides a case number and no one checks anything for accuracy before foreclosure action.
In my state you can't go before a judge for a hearing unless you meet (3) criteria under foreclosure sales.
These amounts they file with the clerk of the court are usually over exaggerated and do not reflect an accurate portrayal of what the homeowner actually owes on the loan.
Many of these lenders and servicers intentionally do not deduct accurate amount of mortgage payments a homeowners has already paid towards the principal loan balance due.