I've now received the NOA!
I presume I now contact the mediation service?
I've also received a letter from Lowell inviting me to contact them and make settlement proposals.
Not sure whether or not I should just contact them and see if they'll accept a small amount each month?
because as one poster mentions if they produce a Default notice (which I've still not had) in court I'm pretty much doomed!
I've attached a copy of the NOA and a copy of the letter from Lowell.
Any advice would be gratefully received - thanks