how to reply to a Summons for foreclosure

[daddyzaring]

What is the name of your state? Kansas

We received a summons from our mortgagae company, saying that we are way behind in payments, and they want to foreclose. At the time we got the summons we were up to date on payments. They have been bothering us for months trying to tell us we are behind. We have tried talking to them but they do not listen. They have sent people to our home trying to collect, and one time I even had to call the police to get the guy to leave. I have documentation (ie. bank statements, and statement from mortgage company) for the last 12 months showing it has been paid. I was told we need to fill out a form to reply, and send it to the mortgage companies lawyer, and the court clerk. I have no idea where to get this form, and we cannot afford an attorney.

 

[HomeGuru]

What is the name of your state? Kansas

We received a summons from our mortgagae company, saying that we are way behind in payments, and they want to foreclose. At the time we got the summons we were up to date on payments. They have been bothering us for months trying to tell us we are behind. We have tried talking to them but they do not listen. They have sent people to our home trying to collect, and one time I even had to call the police to get the guy to leave. I have documentation (ie. bank statements, and statement from mortgage company) for the last 12 months showing it has been paid. I was told we need to fill out a form to reply, and send it to the mortgage companies lawyer, and the court clerk. I have no idea where to get this form, and we cannot afford an attorney.

**A: you need an attorney. Sell your computer and hire one.

 

[daddyzaring]

You know an attorney that will work for maybe $25.00, if I was lucky, I might be able to get that much. Computers aren't as valueable as they used to be, especially when they are almost ten years old, and barely work. Lawyer seem to keep their value pretty good though, and then some.
Any one with some helpful advice?

 

[LindaP777]

At the time we got the summons we were up to date on payments.

Are you currently behind in your payments (One can kind of read into it that at the time of the summons you were up to date, but now are behind.)
Have you previusly been behind in payments?
Is it a local bank (can you walk in and ask to speak with the manager?)

 

[HomeGuru]

Are you currently behind in your payments (One can kind of read into it that at the time of the summons you were up to date, but now are behind.)
Have you previusly been behind in payments?
Is it a local bank (can you walk in and ask to speak with the manager?)

**A: Linda, it is beyond that stage of talking to the manager.

 

[LindaP777]

**A: Linda, it is beyond that stage of talking to the manager.

Sorry, I was hopeful . . .

 

[HomeGuru]

Sorry, I was hopeful . . .

**A: foreclosure action has commenced, that is the start of litigation in court.

 

[daddyzaring]

We may have gotten this last months payment out late. Yes, it has been late before, but has been caught up, including late fees. All I really need to know right now is how to reply to the summons to deny their claim.
They are now saying we owe 3 months, including the upcoming month. They have still been calling, and coming to the house, but they haven't been as bad as they were. they were callingseveral times a day, and one of the times that they sent someone to our house we had to call the police, because the guy was beating on the house, and would leave.
Also, it is'nt a bank, it is Greentree Financial.