Do you want me to tell you what you want to hear, or would you prefer that I give you an honest answer? Because I'm not going to give you a BS answer, I'm going to give you a real world, honest answer.
Here we go: If you want to have a fighting chance to win your foreclosure case, if you want to stay in your home as long as possible, if you want to possibly prevail in that you force the plaintiff to modify your mortgage, then hire a foreclosure defense lawyer. But if you want to lose your case, then keep on handling it yourself. Do you really think that this forum is the place to learn how to do this??? It's not. Do the right thing, before it's too late. Good luck with your decision and your case.
If you think my response is the best response, it would help me if you would indicate that. Also, please note that my responses to question(s) are NOT legal advice from me to you because I am NOT your lawyer, you are NOT my client, and we do NOT currently have an attorney-client relationship. Thanks!