Until your loan modification closes and you get caught up, you are in default with your mortgage which means that Wells can start a foreclosure. Contact Wells Fargo customer service FIRST to verify that you are indeed in foreclosure, and then get from them the name of the attorney they are using to represent them. It is very possible that the letter you got is a phony from some mortgage marketer trying to get you to refinance with them. Its scary how many people lose their homes that should not have to. Even if you dont qualify for bankruptcy protection, just filing the petition will stop foreclosure proceedings which will buy you time. Steer clear of mortgage brokers unless you know someone in the business who is willing to waive some closing cost fees.

Lack of customer service can put you in a foreclosure situation that you dont deserve.

Do some research on any company you choose. By blogging Wells Fargo I have found tons of complaints of payments supposedly not received and homeowners in foreclosure that are not warranted due to lack of competent customer service. The current leader on the internet relating to providing information on foreclosures is recognized as RealtyTrac however you do have to pay to receive their informational services on foreclosures.