Advice on writing an answer letter to a foreclosure summons?
1 attorney answer
Please do not EVER take legal advice from your bank. "Misty" is not an attorney, she is someone in a call center. She has no right to tell you not to worry about having been served with a summons - that is completely illegal and wrong. I have heard from many people who believed it when they were told things like that and then wound up losing their homes.
Do yourself a favor and contact an attorney who specializes in foreclosure defense. You can probably find someone local if you look on www.naca.net under "Attorney Finder". If you are indigent, you may qualify for free legal services from the local Legal Aid agency. Misty, whoever she is, has no real idea if you will get any sort of loss mitigation or not, and if you do not defend, you could find yourself far up a creek with no paddle.