I received a 20 day summons and tomorrow is my last day to respond. It was delivered to my son and I didn't hear about it until this weekend...

Question

I received a 20 day summons and tomorrow is my last day to respond. It was delivered to my son and I didn't hear about it until this weekend and I don't know what to do. Its from a debtor taking over my forclosure judgment and I really don't know what to do. I am unemployment and very uneducated in what this whole thing means to me. I really didn't even understand what was happening to me during the whole process and I wasn't even part of it. I thought someone was handling it for me and didn't even know the foreclosure happened. It was back in June of 2010 that the judgment for my foreclosure took place. I really need some help and or advice on how to answer this tomorrow. I have to bring my answer to the courthouse tomorrow. Can you help me in anyway? Please let me know what you can do for me, if I can speak to someone and get some advise or even if that means you know someone you can refer me to talk to. I really need help. I would greatly appreciate it if you could.

Answer

RESPONSE TO THIS POST DOES NOT CREATE AN ATTORNEY CLIENT RELATIONSHIP. In a situation like yours you can write a request to the court to ask for additional time to respond to the complaint. The court should grant the request. It would be a very good idea to consult in person with an attorney experienced in foreclosure and debt relief to help you determine the best course of action for your situation.

If the foreclosure judgment was in June 2010 there may be some defenses available based on the complaint that was filed, but that will not be known without a thorough review of the complaint and the facts of the case. You may have options but you should speak with an attorney right away. As for referrals, you can try the Florida Bar Attorney Referral service, or depending on which city you live in you might check with a local Bar Association, there are associations in most cities. You can also google Foreclosure Defense attorney or debt relief attorney, or even bankruptcy attorney to get some names of attorneys locally.

Good luck with your case.