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Letters: Junk mail by another name

November 29, 2012

Re "Lender uses fear as a sales pitch," Column, Nov. 27

I sometimes receive the letters attempting to trick homeowners into expensive refinancing that David Lazarus warns about, and there's a sure-fire way to tell if they are legitimate without even opening the envelope: If the indicia (the box printed in the upper right corner) says "standard mail," immediately throw it into your recycle bin. "Standard mail" is the Postal Service's name for junk mail. Any legitimate company would send mail about potential problems with your mortgage as first-class mail, not at lower-rate bulk prices.

By the way, I'm a retired postal executive and postmaster, so take my word for it.

Arnold Daitch



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