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I got served the end of February and I misser the court hering on march 9th.
I am not sure how much time I need for a Loan Mod I am in the beginning of the process with NACA.(it could take up to 3 months to be approved and other 6 months on a trial payment plan)!!
If I get a Loan Mod I probably would like to file for bankruptcy ( I own around $ 70,000 in CC and they are all in collections right now) stopped paying last Sept because i didn't have a job.
A summon (complain) was filed in superior court on Feb 5th 2010.
A case disposition hearing on March 9th 2010 at 8:30 am that i did not go because I thought I was filing for chapter 13. That did not work out for me and didn t file anymore but missed to go to the hearing...now I received a Request for " Entry of default"...
I really don't know what to do now...and everytime i call an attorney they tell me the only thing i can do is to call them back when i am ready to file for bankrupcty!!
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