Another tip from your Seminole County foreclosure and Seminole County short sale realtor. The first notice most Seminole County homeowners have of a foreclosure lawsuit is when they are personally served with the Foreclosure Notice of Lis Pendens, Foreclosure Summons and Complaint. These documents allege that you are in default, demand that the note be paid in full immediately, and demand that the court order foreclosure and a judicial sale of the home. The Summons contains information about the lawsuit described in the foreclosure Complaint and, among other things, provides you with 20 days from the date you are personally served to mail the Seminole County clerk of circuit court an Answer to the allegations in the foreclosure Complaint.
If you have not done so previously, speak with an attorney immediately, as there may be valid defenses to explore.
You must file a response to the Complaint with the clerk of court within 20 days of the date you are served with the Complaint or the court will enter a default judgment against you. A default judgment speeds up the foreclosure process for the bank significantly, so make sure you file a written response, which is typically a motion to dismiss the complaint or an answer to the complaint in which the material allegations are either admitted or denied, by paragraph.
