Good Service of Process

In reality, foreclosure starts when the complaint is filed against the homeowner. Then service of process happens, informing Joe Homeowner that a lawsuit is filed against him and with a summons to reply.

If you know a process server is coming after you, do not hide. Process servers will find a way to find you, which may not be convenient to your schedule or dignity. Foreclosures rarely happen at opportune times, but you can control having papers served to you at your home as opposed to while you are out shopping.

Service of process does start the clock, but it is okay for the clock to start. The court needs to get jurisdiction over the dispute and the human. That human is the homeowner. Our justice system is big on notice and opportunity to be heard. Service of process gives the homeowner notice and an invitation to answer.

For the standard complaint or lawsuit, the defendant has twenty calendar days to answer the summons. That is more time than you need to panic, but a reasonable period in which to get legal advice.

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