Times Are Tough...And Junk Mail Preys on Our Fears, Part 1

The First Notice, Customer Reference #22123 you see here was showing through a plastic window in an official-looking envelope I received. First Notice? Sounds as if I'm behind on a bill! Oh, no! I open the envelope and see at the top of the letter ATTENTION: LOAN MODIFICATION NOTICE. Oh, no again! What loan? Of course, it was all a scare tactic to make me read the letter, which was nothing more than an offer to refinance our mortgage. Why do people think that after scaring us for no good reason we'll be open to doing business with them?

Oh, and Customer #22123? I've never been a customer of theirs, so that number is totally random!