Wells Fargo Bank, N.A. is required by the Fair Debt Collection Practices Act to inform you that if your loan is currently delinquent or in default, as your loan servicer, we will be attempting to collect a debt, and any information obtained will be used for that purpose. However if you have received a discharge, and the loan was not rea?rmed in the bankruptcy case, Wells Fargo Bank, N.A. will only exercise its right as against the property and is not attempting any act to collect the discharged debt from you personally.