Like any other lawsuit, a foreclosure lawsuit must be answered in a timely manner. It's then up to the lawyer and client, based on the strength of the foreclosure case, to determine the best defense strategy such as a reinstatement request, request for a loan modification, short sale or other settlement option. It will be helpful to choose an attorney that is familiar with handling this sort of case, especially considering all of the circumstances here.
It is recommended that she speaks to an attorney practicing in foreclosure to properly review what was served. Timing is everything as proper defenses must be investigated and preserved early in the foreclosure litigation.
The information provided in this response is for informational purposes only and should not be construed as providing legal advice or establishing an attorney-client relationship. Recipients of this information should not act upon it without consulting legal counsel as individual situations and facts may vary.