I have received a Notice of Intent to Foreclose from the attorney for the servicer. No complaint filed as of yet. The complaint, however, will list my lender as the plaintiff - of course. Throughout the course of servicing the loan, it is my servicer who has flagrantly violated numerous regulations. All of my defenses and counterclaims are against the servicer. So must I name and add the servicer as a party in my answer, or is the servicer, as agent for the lender, a party by default?
Yes, I know I need representation. I searched for over a year for legal assistance to no avail. This is despite the fact that 2 of my defenses (if won) allow for attorney fees and costs. Like most people, I cannot afford counsel.