Yes, you are not my attorney, I am not your client, and you have no legal liability for anything you suggest to me.
I am in WI, having been unemployed for 3-1/2 years (except for one terrible week), and fallen on hard times financially. My mortgage holder has file asking for a foreclosure, and I have a few days left to reply to the court.
I really can’t dispute any of the facts laid out in the complaint. The only (possibly) relevant thing is that I just started a new job with the state, and have the prospect of renewing my mortgage payments in relatively short order.
Given that. is there any point to responding at all? This is a first notice, there is not a court date set yet, but if I don’t respond, there will likely be a summary judgement against me. However, I’ve been told that even if a judgement is entered, the enforcement is automatically stayed for several months to give the parties time to work things out. So given that I have nothing to dispute, one new fact that may not be relevant to the court, is there anything to be gained from responding?
I presume the court doesn’t care why I couldn’t pay, and there is no reason to explain it in a response. Is this correct?
Any other thoughts?