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Good afternoon. I certainly understand the situation and concern. In Florida, once served with the complaint, you will have 20 days to file an answer and raise any affirmative defenses
which you may have. If you fail to file an answer, the plaintiff will likely proceed and have you defaulted by the clerk of court and then proceed to have a judgment entered against you. A sale date will then be set, where the home will be sold at auction. You do have every legal right to contest this and can find an attorney and read reviews about them on www.martindale.com or www.lawyers.com. You may also want to contact the Florida Bar, who has an attorney referral program set up as well. Unless you just want to walk away and do not care, retaining an attorney would be in your best interest. They can appear in court for you, file an answer and raise any defenses. They also may be able to request mediation in the matter, so you can be given a chance to save this home, if you wanted to and see if the lender would consider a modification. If you were to just file an answer or raise defenses without an merit, the plaintiff will proceed to summary judgment
and ask that it be entered by the Judge, since there would be no genuine issue of material fact, to dispute a final judgment.
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