You need to write the Foreclosure letter to the branch manager. Also, make sure you state the reason for foreclosure very clear and concise.This article will provide you with the format and samples for a loan foreclosure request letter format and help you write a good letter. The person applying for the closure of the loan account will have to state the reason behind the closure and follow the format for writing the letter. The lender must comply with any notice requirements in the loan documents. There is no statutory requirement for a pre-foreclosure demand letter. In California, lenders can foreclose on deeds of trust using a non-judicial foreclosure process or a judicial foreclosure process. You can put a lien on that property so that if they ever sell or refinance the property you might get paid. To do this, you first need an Abstract of Judgment. Why would you pay if the loan has been forgiven?