This document sets a date when your lender will auction off your house to the highest bidder. You need to write the Foreclosure letter to the branch manager.Also, make sure you state the reason for foreclosure very clear and concise. O Mail a copy of the Request for Foreclosure Mediation in the envelope addressed to the foreclosure attorney who represents your mortgage company. Learn how the Maryland foreclosure process works, including preforeclosure steps, foreclosure procedures, and homeowner rights. Topics on this page: What is Financial Hardship? What to Do If You Cannot Pay Your Bills; What is a Hardship Letter? Put your name, address, phone number, loan number, and date on the top of the letter. List the name and address of your lender. You are at risk of losing your home to foreclosure.