Most attorneys offer a free initial consultation, which you can make use of.

Can I be legally sued for a mortgage loan in the state of Michigan if the home was never properly forclosed on and sold at auction?

was served a summons a week ago being sued by mortgage company, that never properly foreclosed on the home, the home was never sold in a sheriffs sale and they are sueing me for the full amount of the loan which is 40,ooo dollars, this was a secured loaned that was backed with real property, the house still stands in a delapated neighborhood in detroit, stripped of everything that was salvagable in the home, windows etc... and now after 8years later they filed a lawsuit with local attorneys trying to sue me not for a default judgement but for the full amount of the loan. Im asking can they legally come after me for this and they never tried sell the home at auction, I tried to sell home when I moved out in 2005, and the only offer that I got was one of what the house was worth at the time which was $12,000 dollars and they declined that offer. So I told them to take the home and sell it in lieu of what I owed and they never did it, I believe the county took the home for back taxes. Now after years later I received this summons what can I do I have two weeks left to answer this and cant afford an attorney. Please help

2 Answers
Votes: 
0 votes
+
Vote up!
-
Vote down!

It's always recommended to consult an attorney when you receive a summons. Most attorneys offer a free initial consultation, which you can make use of. Besides, the summons has to be answered anyway, and it's better have legal help when you do it.

Votes: 
-2 votes
+
Vote up!
-
Vote down!

Never ignore the summons, since the judgement will then end up in favor of the lender/creditor. It's better if you attend the court on the date and answer the summons in writing. Explain the whole situation when you file the answer, and see what happens.


Ask Question

Waterfall approach to debt free ™

Legal debt relief methodology that works based on your financial conditions. Learn more »

BBB-A--Rating