“Here is the truth: no lawyer at any foreclosure mill ever gets a call or even an email from the named foreclosing party nor anyone else. Instead it is all automated in the loose meaning of that word.” USPTO patented automation.
Foreclosure defense litigants usually find themselves in a fog of questions they can’t answer. That is because the banks are using a tactic that I have called “step-over.” If they can’t prove an essential element of a case they step over it and pretend it was already established before.
ADMIT NOTHING. ASSUME NOTHING.
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Deadly Clear 
I found out @WellFargo bank when it comes to Client benefits (home modification) WFB play 3rd world country the red tape paper work never get completed, but when it comes for bank benefit deposit $$ it’s no brainer done in no time