The issue we must decide is whether the notice letter of intent to submit proofs for a foreclosure judgment, sent to a debtor as required by the Fair Foreclosure Act, requires the debtor to respond to the lender, as opposed to the lender's attorney. This is a novel question of law regarding the most recent adaptation of the Fair Foreclosure Act, N.J.S.A. 2A:50-53 thru -68. The following facts...
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