Hey all, after many years of going back and forth with my mortgage company, they have finally filed a foreclosure against me. I just received the summons yesterday and need to know what now? It says I have 20 days to file a response, but what kind of response am I supposed to file? They originally told me I could sell my house for market value and I would benefit with any profit received. I thought they were allowing me to do that instead of foreclosing, but I guess they were allowing that while still filing. What kind of time frame do I have to find a seller and move? Thanks in advance for your help.