If someone falls behind on mortgage payments and is facing foreclosure, what do you advice people to do when a foreclosure notification arrives in the mail or a foreclosure lawsuit is served upon them?

Well, as soon as you get served by a foreclosure complaint, you need to go and see an attorney because you have 20 days to file or response to the complaint. If you do not file a response, they will get a default judgement against you. Basically, when they serve you with the lawsuit, they have started a war and you have the option of doing something and fighting back or not doing anything at all. I suggest to people that they fight back because even if nothing happens in their foreclosure case and even if they never win their case, you can get anywhere from a year or two years in that house without having to make a mortgage payment. We have defenses that we can legally file in your case that will keep you in your house for a long, long time. The one thing I always suggest to people is “Don’t sleep on your rights, fight for them and don’t ever leave your home. Stay in the home until the last day, until the sheriff  actually comes and says..man, you have to leave your house now.”