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I don't know the answer to your question. But I'm interested in the reply. I have a similar problem.

One thing I would suggest, call them (and write certified mail) and tell them you want to respond to their mail. Tell them why you haven't paid and ask them how you can work this out without getting a lien on your property. I have found them to be more "friendly" as of late.

I was a mortgage broker for a time. If they do place a lien, it will go on your credit report and is perceived as a BIG negative.

Good luck
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