The Division of Forensic Services (DFS) strives to improve the effectiveness of the criminal justice community and enhance public safety. Call your mortgage servicer right away.You should also contact a HUD-approved housing counseling agency to get free, expert assistance on avoiding foreclosure. Public Act Text for the Illinois General Assembly. Attached payoff letter). This is an example of a payoff letter used in a syndicated loan transaction. I took out a personal loan for 20K. Paid the loan off, got the title, sold the car and then paid off the personal loan immediately.