Can I avoid responding to a foreclosure summons in Maine?

Yes, you can avoid responding to a foreclosure summons in Maine—only if you’re interested in losing your home or you want to exchange your home in deed in lieu of foreclosure. A deed in lieu of foreclosure occurs when you transfer your property rights back to the lender in exchange of the lender cancelling your mortgage. However, there is a risk of being responsible for the difference between the amount of money the property is worth and what the lender actually sold the property for. However, if you’re interested in fighting for your home, you can’t avoid responding to a foreclosure summons in Maine.

Responding to a foreclosure summons in Maine means telling the judge—in writing—why your lender (or county if you’re behind in property taxes) shouldn’t win their foreclosure complaint it’s filed against you. In your written answer, you must list a foreclosure defense. Typically, a foreclosure defense can include that the terms of your mortgage were stacked against you and there was no way that you could pay your mortgage or that the lender didn’t follow procedures when starting the foreclosure process.

If you’re interested in learning more about how to respond to foreclosure summons Maine, then consult a lawyer who specializes in defending property owners against the foreclosure process. The lawyer will review your case and determine which foreclosure defense is best for your situation. Most importantly, the lawyer will assist you in fighting to keep your home.