Reply #100: Maybe you are one of the "lucky" ones. Maybe they have "misplaced" the paperwork.

[TalkingDog]

However, emails are legal documents. Just ask Dick Cheney. All kidding aside: the spousal unit works for an Architect. Any documents, including email, are required by law to be saved in the job folder for insurance and professional licensing purposes as legal documents.

Just DON'T alter it in any way shape or form. Save it. Print it out for good measure.

And write back and see if you can fish more concrete information out of them.

Just in case, set up a bank account (as an escrow account) putting monies owed in the account. If it comes to a court case, you can then show a good faith effort in putting aside what you "owe" if it becomes apparent that you are legally obligated to pay.

There are non-profits dealing with the ARMs mess right now, offering free advice. You may qualify since there seems to be a question about who owns your title. Sorry I can't remember the names, but a quick Google might help.

Not being a huge fan of bureaucracies myself, I wish you good luck.