[ericnrosesmom]

...summons? My husband was laid off in January. One of the first things we did was to call our mortgage company and try to get a modification. We got behind on the payments, and the other day a summons was dropped off. It said an answer was due in writing within 20 days. I immediately called the mortgage company, and they told me not to panic, that the modification should be approved soon and it would stop the foreclosure. I told them about the summons and they said to call the lawyer listed in it. I called the lawyer and asked them about answering the summons and told them what the mortgage company had said about the modification, She told me we didn't have to submit a written answer to the summons if we didn't want to, and to keep calling and checking on the status of the modification, Should we answer the summons or does it not matter? She told me that answering it wouldn't stop the foreclosure, the only way to do that is to get the modifiication worked out. P.S. my hubby is back at work now and I'm looking for work myself, so we should be able to handle payments at a reduced interest rate,