I’ve seen the same thing. Friends of ours are living in a home and allowing it to go back to the bank. No payments for 6 months, and not a single letter or notice of any kind. Not showing on RT, or any other foreclosure site I came across. Our home (the one we’re renting) is in preforeclosure, bank has been out to see us twice, and it still doesn’t appear on any foreclosure listing I check, including RT.