My wife had a home that she let foreclose prior to us being married. The bank took the home. The bank is now seeking a judgement on the 2nd home mortgage (80/20 loan). She hired an attorney. Communication has been sparse and there appears to have been nearly no negotiation with the bank for a settlement. Att. apparently received notice of judgement hearing on 9/26/12 to take place 10/23. For some reason she thought it wasn't information we needed until 2 days ago. We have an offer for settlement thanks to family (bank said 80% and we could come up with 70%). She has not returned phone calls or emails. I'm appalled at the lack of prioritization considering we have 3 business days until the hearing. We have no way to settle or offer 70% since she's MIA. What can we do? Can anyone help us?