The Mortgagee must notify each Borrower, co-signer, and any other party requiring notice by state law that the Mortgage is in Default.
Early Default intervention guidance is located in Handbook 4000.1 III.A.2.h. at https://www.hud.gov/program_offices/administration/hudclips/handbooks/hsgh
Any questions may be directed to the FHA Resource Center Toll-Free Telephone Number at (800) CALLFHA (225-5342) or by email to email@example.com. Persons with hearing or speech impairments may reach this number by calling the Federal Relay Service at (800) 877-8339.