Let me stab at this one for you from seeing many many go down. In my old life I worked at a law firm for 6.5 years and know that when you receive the "20 day notice" to respond to a notice of foreclosure - that's the day you should think about running to a lawyer and carefully negotiating how they keep you in your house longer to allow you to strategically plan to move on with life. Who knows...you may need to file a bankruptcy or you may be able to modify still, there are many scenarios and many different people all receiving different results. You don't have to hire an attorney either. You could write your own response to the notice served. You will still get lined up for 'mediation' which is your meeting opportunity to speak to a bank representative (maybe through their attorney but your message can still be delivered) Now, If you do nothing when you receive this notice, you will be basically tipping your hat to the bank and their attorneys saying "beat me, and beat me quickly because no response is the same as saying you are guilty of whatever they are accusing you of and they should be given every penny of what they are claiming without a seconds thought.
Lastly, I would want to mention that if you are getting down to the counting days or months till you move onto the next chapter in your life, attorney or no attorney, you need to LIST your property for sale ASAP with a broker that knows how to work with attorneys and or banks/short sale departments because by doing this you can at least give the bank something rather than nothing...on top of that, these banks seem to be more inclined to give a property to a total stranger for less than they would the person that has been there for 30 years and really wants to work out some sort of an affordable payment plan for life. If all this doesn't help you figure this out and you just want to know how long you will be able to stay should you do nothing but hide and wait?
Answer 90 days or less. Good luck.
Disclaimer: this is not legal advice, seek an attorney for legal advice