Many individuals believe that they have been served with a foreclosure case, but that is not accurate. According to the legislation in Florida, a person needs to physically approach you, hand over the foreclosure complaint or summons, and inform you that you have 20 days to reply. They can serve you, your partner, or another capable adult residing in the house or on the property with you.
If you are correctly served and fail to respond within 20 days, the lender holds the authority to declare you in default. Once you are in default, all potential defenses may become unavailable. Ensure that you respond. A possible first step is to file a motion for an extension of time. This will provide you with an additional 30 to 60 days to determine your course of action.
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