I noticed that I keep getting a Intent to Foreclosure letter whenever we are 2 months behind on our mortgages. However, we are currently on a special Forebearance Payment Plan with AHMSI so I had hoped those letter would stop but I was told that those are form letters that are generated by the computer and cannot stop until we catch up on our payments. When should I start to worry about those notices? How can I tell the difference between an Intent to Foreclose letter and an actual Notice of Foreclosure? My biggest fear is that I keep ignoring the usual intent letters and not notice when they actually send me the Foreclosure notice. I know it is not supposed to happen while I am on a special repayment plan but I also know that mortgage companies make mistakes all the time. Can anyone tell me the difference?