You do not need to currently have a mortgage loan with Provident.
It does not matter whether your mortgage loan went into default or foreclosure.
You do not need to hire a lawyer or use a claims filing service in order to take part in this settlement. However, you are free to consult a lawyer of your choice, at your own cost, to discuss whether to take part and to obtain more information on how the settlement might affect you financially.
Having a lawyer will not cause you to receive your payment more quickly or increase the amount of your payment.