Mortgages

I know that mortgage lenders are hurting because a decent chunk of their customers are not able to make their payments...
But does it make sense to start harassing your customers on the 5th of the month...especially when the payment isn't considered late until the 16th? I've gotten 2 calls this afternoon from the wide country lenders, wondering where my payment for November is. All of 5 days into the month. Vultures.