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I was just served with a summons to foreclose on my home but on my equity line of credit? I am behind on my first mortgage but am working on getting the loan modified. I am (or I was) current on the loan they are serving the summons on. They won't accept payments. They are two seperate loans (issued by the same bank) and do not have the same account numbers or interest rates. when i called the bank the girl in the "foreclosure" department said it was their way of getting me to call to bring the 1st mortgage current? can they do this. i have 20 days to reply and i don't know how to reply to the courts? any advice from anyone? the lender said they would send me modification information? does this sound right?
p.s. she was in training.