If you have received a summons to appear in court then you need to file an answer to the court denying that you owe the debt or stating why you believe it should be dismissed. If their is a court date set and you do not answer the court within 20 days or do not show at the hearing, then the creditor will win by default and they will be able to seek judgment through means of garnishment of wages, liens on property, or garnishing of your bank accounts. Your best option is to file for bankruptcy which will stop the foreclosure and the collections. To read more go HERE, HERE, and HERE.
You may also be eligible for free legal assistance through your local Legal Aid and Pro Bono groups; go HERE and HERE.
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