I received a foreclosure complaint and the attorneys attached judgments and liens that are not mine. How should I answer
3 attorney answers
The foreclosing bank and its attorneys don't know whether the judgments are against you or someone with a similar name, so they include everyone. The judgments will not be listed as part of the file amount owed, however, unless the creditor asserts a claim by filing an answer to the foreclosure. If this happens, you can contest the claim by proving that the judgments are against someone else, not against you.
Doing this is somewhat technical. While you are allowed to represent yourself, the odds of messing something up are pretty high. Thus, I would encourage you to consult with an attorney to discuss your options.
This answer is given for educational purposes only. I don't know nearly enough about your case to make any advice I give you reliable. Unless and until I agree in writing to become your lawyer, nothing I say should be interpreted as legal advice.
You need to retain an experienced mortgage foreclosure defense attorney. What has happened is the the lender's attorney conducted title search and has listed all possible defendants in the foreclosure complaint. If you do not want to fight the foreclosure, then retain a Bankruptcy attorney and eliminate your personal liabilty and move on. Good luck.
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You should absolutely consult with a qualified attorney in order to prepare and file the appropriate answer to the summons and complaint for foreclosure that was served upon you. You may also have defenses which you are unaware of. The judgment liens can be addressed in the answer.