This means your foreclosure process is in its last stages. But the good news is that you can still do something to protect your rights. You should contact an attorney that specializes in this area and try to stop/delay the foreclosure process.
This answer is provided for informational purposes only and does not create an attorney-client relationship. A more detailed explanation can be provided if you contact our offices directly.
Our firm specializes in Foreclosure Defense and Landlord / Tenant Law. Please visit our websites for more information. http://www.foreclosureandlitigation.com and http://www.webevictions.com
It means that you did not respond to the Summons and COmplaint within 20 days, so now the Plaintiff is asking the court to preclude you from raising a defense. Unless you really don't care what happens, you should get to a foreclosure defense attorney IMMEDIATELY. Check the web site of the National Association of ConsumeAdvocates, www.naca.net to find someone who specializes in foreclosure defense.