If you are served with a summons, you have 20 days to respond to the Complaint. If you fail to respond in the time line the Plaintiff (generally the bank suing you) can move for what is called a default. That means, that you failed to respond to the Complaint timely and that you have now have admitted to all the allegations against you. A default, also prevents you from participating in the case and actively defending yourself against the foreclosure. So, time is very much of the essence when responding to a foreclosure action. Waiting only makes things worse – contact the Dubyak Law Firm today for a free consultation.