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Hello! I am a licensed attorney, admitted to practice in state and federal court. I have a nearly 100% satisfaction rating so all that means is that you can count on me to help today. I’m sorry to hear about this situation. To give you an idea of what to expect, a motion for summary judgment simply means that the other party is saying that there are no issues in dispute of Law and fact. This simply means that they are wanting to the judge to make a judgement without having to go to trial because the case is so heavily in their favor and there is nothing you can do to argue otherwise. If the judge approves the summary judgment, this means that they win the case. However, that does not mean all hope is lost. You may be able to still get something if you are looking to settle the debt. Sometimes, just settling the debt is the easiest thing to do. It doesn't always appear as if it's the easiest thing to do, but every single day lawyers across the country are explaining to their clients that if they just work on settling their debts in a way that makes sense for them and they are going to be in a better position in the long-term. To facilitate your situation, there’s a site that I’ve used in the past where you can find a good template for debt settlement (click here). It's a bit easier (and cheaper) than going through litigation and I have seen it be effective in the past. If you send this letter and they do not respond, then try sending it again to remind them that settling is really what resolving disputes is all about.
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To answer your other questions, they don't automatically get a lien on your home at all. That would only happen if a) they are successful at this hearing and b) they go back to court and sue if you don't pay them anything going forward.