Filing an appearance in a foreclosure suit against you
As you have defaulted in paying your monthly installments for around three months now, the creditor has knocked the doors of law by filing a suit against you for breach of contract and asking for a foreclosure.
You are therefore supposed to respond to this legally since your primary aim is to avoid foreclosure. Therefore, the first thing you do is to file an appearance. Once the appearance is filed the ball is no more in your court. The court will now be obliged to inform you about the regular progress and current status of the case. But if you fail to file your appearance within two days from the return date as mentioned in summon served on you.
While by doing so you protect yourself from instant foreclosure under the law, you also agree to become the subject of the jurisdiction of the court concerned. However, you must also get legal advices provided that it does not affect your current life. The deficiency judgment, if the provider has sought it against you, should be taken care of on a priority basis. You can see the feedbacks on stop foreclosure blogs for more information.
It may be a case that the defendant is either unemployed or underemployed. In such case the plaintiff has a veritable responsibility to inform the defendant that he has a right to seek Court Protection. However, as a defendant it is also your responsibility to apply to the court seeking such protection within 25 days of the day fixed for hearing.