My question involves a foreclosure in the State of: WA
I have a 12-unit apt building, and have been 2 months behind for about a year. The bank allowed me to continue with this default as long as I kept it under 90 days past due, which I have and still am.
Last month they sold the loan to a debt collector. I sent a certified letter to the debt collector asking for what they are going to require from me, terms, deadlines, etc. I also stated that I wanted all communications to be in writing, which a wa.gov website I was reviewing stated I have a right to ask for.
They are leaving messages on my voicemail, and insisting that they must speak to me personally to decide how they are going to proceed with my loan. I have emailed them in response, restating that I am not able to take calls during work hours so to please mail me what they need, etc.
Do I have a right to demand they communicate with in writing?
Can they just not answer my certified letter and let time pass and let it go to foreclosure?
Is the rule for filing for foreclosure in WA state 90 days in default, or 3 months based on the monthly due date (which is the 15th of the month, with a 10-day grace period, so it is not normally considered late until the 26th)? The 90-day limit would require me to pay the 3rd month by the 13th of this month, but a 3-month limit would mean I have until the 15th and possibly the 25th if the grace period would still be in effect.
I don't want to allow this just to go to foreclosure, but if they won't send me what they are asking for me to pay and by when I don't know what my rights are to prevent it from going that way.

