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debbiephelps · Joined: 03 Oct 2006 Posts: 7 4.19 Dollars($)

Hello all, thanks for the reply's to my foreclosure/summons questions. Should I reply to the summons in 20 days to avoid the default judgment? We will either do the refinance or the loan modification with our lender. We wanted to have a least a couple options available to decide which would be best.Sara, the summons is for our 1st mortgage. As long as the appraisal comes back high enough,which I am 95% sure it will, the refi would be a good option. Fixed rate, no pre-pay and not a ballon. So is it still wise to reply to the summons and what is the proper procedure for that? What exactly will this accomplish in addition to avoiding the default judgment? Thanks for all the wonderful info!!!

Guest

debbiephelps · Joined: 03 Oct 2006 Posts: 7 4.19 Dollars($)

Thanks for the quick reply..fyi, there is not an actual court date for us to appear. The summons just states we need to respond in writing within 20 days or a judgemnt by default may be rendered against us for the relief demanded by the plaintiff. So we should definately respond in writing? Thanks for the detailed answers!

Guest

Yes Debbie, it is absolutely essential that you do reply to the summons.

Thanks

adonis · Posted: Tue Dec 12, 2006 8:16 pm Post subject:

I don't know much about this, but I think it is better to reply to the summons within the 20 day period. I think for the procedure, you will need the help of an attorney.

Samantha

Hi Debbie,

I think it's a good decision to refinance or seek a loan modification. But don't you think that refinance would be costly, as you will be paying for the loan fees once again.

Though you will be getting a fixed rate with no balloon payment, yet, I feel you can give it a thought once again. This is because if you go for loan modification, you can at least avoid the refinance costs.

I am not sure whether you can apply for loan modification now but then if you refinance, get an estimate of the closing costs and legal fees, if any. This will help you to get prepared right from the very beginning.

However, the first thing you should do is to reply to the summons in writing; otherwise, you may have to pay a fine set by the judge. Moreover, the judge can give a default judgment in favor of the person filing the petition against you.

Frankly speaking, I don't have much knowledge abut the entire process of replying a summon. I guess an attorney will be the right person to help you in this regard. Still, I shall try to find out and if I get some more information, I shall let you know.

God bless you.

Samantha

Guest

you can go to uslegalforms.com get foreclosure answer there I think they have a free one.

Guest

I was served with a debt Summons and need help to be sure I reply correctly and format correctly. Do I notarize the form at the Court when delivered or before?

lisascherzer · Joined: 04 Jan 2008 Posts: 755 1.12 Dollars($)

I think that replying to the summons will help delay the process. Also, just in case of that 5% chance that the refinance does not go through, you won't regret it.

Guest

do you have a sample letter to reply to the foreclosure summons.

sara · Posted: Fri Sep 12, 2008 6:09 am Post subject:

Hi edwin,

I think your lender should be able to help you out with this.

Take Care

Guest

why would the lender be of help when they are the ones sending the summons in the first place?

smithsussane · Posted: Mon Oct 13, 2008 10:27 pm Post subject:

Hi edwin carrion!

You can take the help of a legal adviser who may draft you a letter to reply to the foreclosure summons.

Feel free to ask if you have further queries.

Sussane

Guest

Hi to all
Does any one have a sample letter or a web iste that can help me look one up.

Thanks

Niicss · Posted: Thu Nov 13, 2008 2:55 am Post subject:

Hi Alex ospina!

It will be better if you can consult a foreclosure attorney. The attorney will be able to provide you with the letter and also explain what you should include in the letter.

Thanks

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