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Pre-BK Foreclosure Notice -- Preparing Answer

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    Pre-BK Foreclosure Notice -- Preparing Answer

    My 1st mortgage is up-to-date ($75K), and 2nd mortgage is up-to-date ($7K HELOC), but my HOA dues are behind (doubled to $5K after lawyers fees thrown in).

    I got served papers
    SUMMONS
    "This is an action affecting the property described in the Complaints and is proceeding in rem as well as in personam proceedings." Huh?? rem & personam?

    COMPLAINT FOR FORECLOSURE PURSUANT TO RULE 105, CRCP

    Essentially...Seeks judicial foreclosure of property...essentially for not keeping up with payments (unemployed.)

    I need to file and answer to buy more time.

    One thing is that they are not taking into account money they received even though the court took the lien off me since they took the unemployment income away from me.

    I'm looking for a valid answer to buy some time since I can't get into a lawyer.

    Yes, I want to keep the house.

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