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Need help on how to respond to foreclosure summons

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godd2



Joined: 14 Jan 2010
godd2's page
Posts: 3



109 Magic Points

Subject: Need help on how to respond to foreclosure summons
 
Posted on Thu Jan 14, 2010 5:32 pm  

My wife and I have fallen behind on our house payments. We just got a summons for foreclosure. We are to respond to that letter within 20 days. I am not sure how to do that. we are behind 4000 dollars and i have that money to pay now. I am currently speaking with the mortgage lender to find out what needs to be done. do i simply explain that in my letter?

On a side note, does anyone have any idea how much in legal costs and fees extra it will be besides the outstanding payments? i am worried about that.

My morgage company is Bank of America and they are looking into the recovery program or whatever to try and reduce some things to help out, but by paying this money back is that going to hurt my chances of reducing my % and monthly payment which obviously has been a problem so far?

thanx for the advise
marcusandila



Joined: 27 Oct 2009
marcusandila's page
Posts: 133



3029 Magic Points

 
Posted on Thu Jan 14, 2010 10:37 pm  

bank of america has a program set up specifically for your situation. i'd call them. that's who i go through. they can set you up on a payment plan based on your income & expenses. its only for a few years, but it allows for you to get your finances under control for the time being.
godd2



Joined: 14 Jan 2010
godd2's page
Posts: 3



109 Magic Points

 
Posted on Thu Jan 14, 2010 11:31 pm  

i have started the process with BAC that you speak of, thank you.
does anyone else able to tell me how i should word my response?
carol

carol

Joined: 27 Jun 2006
carol's page
Posts: 1299
Location: Los Angeles, California


30064 Magic Points

 
Posted on Fri Jan 15, 2010 1:11 pm  

Hi godd2

I found a sample response for you. Take a look at it and reword it as per your requirement and you may send this as a reply.



Quote:
My morgage company is Bank of America and they are looking into the recovery program or whatever to try and reduce some things to help out, but by paying this money back is that going to hurt my chances of reducing my % and monthly payment which obviously has been a problem so far?


Well, that depends on BAC really. I believe you would have a good reason to try and convince then to reduce your interest. Lenders usually, don't agree to such proposals at the very first attempt, so, you may have to work harder. However, there is absolutely no guarantee that BAC would actually agree to lower your interest. You could still try.
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Keep in touch
Carol
equistar



Joined: 01 Apr 2010
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Posts: 9



101 Magic Points

 
Posted on Thu Apr 01, 2010 4:52 pm  

Instead of replying yourself I would suggest you to take advice from a professional lawyer.
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