If you have been properly served with a summons by your mortgage lender, you have found yourself in foreclosure proceedings.  If you want to save your home and/or want to try to work out a new mortgage payment through a loan modification, you should never ignore your summons.  Instead, contact an attorney immediately to assert your rights and defenses in court.  At the Law Office of Peggy Urbaneja, we help people legally defend against foreclosure, which allows more time to work out a loan modification.  But, time is of the essence, the more you delay, the more time you lose to assert your rights and save your home.  Contact an attorney today!