Loan Modification Florida

I am renting a house from people that have not paid their mortgage since September. I check the court records and no papers have been filed by the mortgage company. Today, a courier stopped by and delivered a note just asking us to call the mortgage company. I called and they would not give me any information because of privacy laws. I think I made a mistake in calling them, and now I’m a little nervous. Does anyone have any knowledge of long it can take to foreclose after the papers actually get filed?

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