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We received the letter yesterday, too. Did not bother to call since I googled # and found this site. Letter seems suspicious at best since no identifying information or letterhead. Thanks all for reporting on this!
This is totally a scam and should be illegal. It is wrong to send this kind of letter out with no identifying information and then ask for money up front. They get your mortgage information from the recorded deed on your property which is available to anyone. DO NOT CALL or respond to these people...
This is a scam. Don't call and don't give them any of your information. I did a Google search on this phone number as I too couldn't find anything on "ACT Services" and then Goggled this phone number. The top two returns was this site and a blog which I have included the link below. This guy is confirming that this is a scam and that calling them will lead to no returns and possible harassing phone calls for the next few months. I tossed the letter and did not call this number.
http://www.tomcarpenter.net/2010/12/03/877-670-5577-overcharged-mortgage-loan-fraud/
Just curious, how do they have my date of mortage and amount it was for?

Those dates and figures are a matter of public record from the court where it was filed.
Just received letter in the mail today. As others were, I was skeptical due to no business information included anywhere in the letter. I did call and was told that I had 3-minute wait, and that I was calling "ACT Services". As I was on hold I tried googing this service and came up with nothing, so I then googled the phone number and got to this website. After reading the numerous comlaints and information provided, I immediately hung up without having to speak with anyone and threw away the letter. Thanks again!

I just talked to them myself. My question is this. Has anyone actually tried the $99 yet? I'm obviously as skeptical as anyone and I'm having a rough time finding anything on the internet good or bad. It's possible they are corrupt and use a "reputation cleaner" that sweeps the web of hits. I don't know. Experts - please chime in now - I'm listening