served summons for foreclosure

[shelly66]

I live in florida and was served a summons for foreclosure today. I have 20 days to respond. I just don't know what to write yet. I have a lawyer for Chapter 13 who I will see on Tuesday. He doesn't handle this part on the chapter 13. My other problem is we cannot file until july 14,09 becuase my husband filed 4 years ago on that day so we have to wait. I just don't know how to buy enough time so we can file and keep our home. I tried for over a year to work something out with the mortgage servicer, but of course they always had a reason why they could not help. I have an adjustable 1st and a 2 fixed at over 11.5%. My laywer said we will lein strip the second be we about $110,000 underwater. I am very scared and hope I can buy enough time to save our home. Has anybody else had this issue?

[AngelinaCatHub]

There is nothing new under the sun. Yes many have had your problem. You MUST answer or show up in the complaint. You may attempt to stall them and tell the Judge the real truth. You have attempted to compromise and make payments and wish to advise your lawyer that you must save for, so ask him for a "time enlargement". 'Hub

[shelly66]

Thank you,and I will reply to the summons, I have a good friend who is going throught the same thing and she gave me some info to write on the reply. I will try to stall them for as long as I can!