The lender is required to make an effort to contact the borrower (as in "you've been served") but since it's in their interest to make a very cursory effort, th

The lender is required to make an effort to contact the borrower (as in "you've been served") but since it's in their interest to make a very cursory effort, that's what they do. Some people get the notice but a lot don't. Notices going to old addresses are common. Generally lenders pay a third party and iirc some of those were caught making no effort at all.