Approximately 90% of all foreclosure actions are uncontested! Most people falsely believe if they did not make payments under the terms of their mortgage they have no defense. Once individuals are served with a summons they must file a written response within twenty (20) days otherwise they forfeit their right to contest the foreclosure. Foreclosures can tarnish borrower's credit scores and subject them to the potential of a deficiency judgment. Foreclosure defense allows individuals an opportunity to modify their existing loan or to provide seller's the opportunity to buy time to accomplish a short sale.