What is a foreclosure suit?
A foreclosure suit is a real lawsuit. A foreclosure suit begins when the lender files a lawsuit in the county in which the property is located. The time to respond to a foreclosure suit begins when you are served with a summons and a copy of the complaint. However, if the lender is unable to find you to serve you with a summons and a copy of the complaint, the lender’s attorney, after diligence search, may publish a notice of the suit in a local newspaper. If you do not file a response to the suit within the time provided in the summons, [at least 20-days in Florida] the lender’s attorney may ask for a default. Once a default is entered, it can be very difficult to challenge the suit.