Several here who answers these foreclosure questions should be answering this!!! WHERE ARE THESE REALTORS WHO ARE REGULARS ON HERE?!!! What caused you to end up in this situation? Was it a job loss, divorce, sickness, etc.? Can you prove it? You need your documentation. One thing I learned in this life is to DOCUMENT EVERY SINGLE THING! One NEVER knows when something important that affects your life may come down the road. ALWAYS get names and telephone numbers (home, office, fax) and e-mails and a personal business card in case anything goes against you. If ou have a camera on your cell phone, take their picture and leave if they won't talk to you. Do you understand what I am telling you? No one is going to protect you and yours and your personal business and knows your situation in life better than you do.
Were you served by mail from the old address forwarded to the new by the post office, or to your new address, or handed a subpeona to you by a process server?
I'd find a lawyer FAST who specializes in these FORECLOSURES and SHOW UP for the court date if he/she says so and hopefully goes with you. Lawyers usually DON'T charge for an initial visit to discuss a law problem. Ask on the phone hen you call. Ask around if you know anyone who has gone through a foreclosure if they can recommend a good lawyer.
Like an automobile accident, whether your fault or not, ALWAYS show up to PROTECT YOUR RIGHTS and EXPLAIN YOUR SITUATION! That's what court is for. Many people would rather send a check and forget about it when there is help from those expecting you to be at the courthouse. Just watch who you talk to at court. You don't know who is for you or against you nor if you are talking with someone who wants to scam you or try to get your home for a little amount of money. I've seen people who were not at fault in accidents NOT show up and end up with the story of the one who was at fault show up and get it dropped or not have to pay for your car damage or your injury or get reduced rates and reduced points or no points on their driving record and no cost levied on them. The judge wants to see who cares MORE about their obligations.
When property has gone into pre-foreclosure heading to the next step of foreclosure, the bank has let it go already out of their hands to the courts. That's why no one can discuss it. It wouldn't be listed, yet, with any realtor. Right now it's probably pre-foreclosurer. It goes to a realtor after foreclosurer becoming an REO (Real Estate Owner) who wants it after the court date and will list it "as is" or try to get the going value for the area. Lots of listings on the MLS (Multiple Listing Service) go on the computer for any realtor to sell it to anybody, but the one who holds the properety gets their sales cut as well as the selling agent. Then you do have problems on top of losing your home. You said you want to save it. How BAD do YOU want to do that?!!! F I G H T!!! at the court house being lawyered up!