When defending a home foreclosure, I never have a client come into court and say, “I made all my payments.” Usually the property owner has missed mortgage payments. Foreclosure Defense is not as much about Where did this lawsuit come from? as it is about Where am I going?
Foreclosure Defense asks the loan servicer to prove their case—to verify the debt amount and their authority to foreclose, etc. The side-effect to Foreclosure Defense is time…time to pursue an alternative outcome, such as short sale or mortgage modification, which generally will not be as bad on your credit as a foreclosure sale.
With Foreclosure Defense, you are looking for your best benefit. You are not going to win a free house any more than you will get an all expense-paid trip to Tahiti. But you will get time to pursue your best option for a better financial future.