Served summons for foreclose

[Scooter10]

I was just served a summons for my primary residence. It states I have 20 days to respond. In reviewing the notice it appears that the lender does note have the 1st page of the note. They are using a substantial copy of the note that does not contain my initials or signature.

Should I dispute this?? I am trying to negotiate the mortgage with the lender but they are not workign with me. Any ideas....

I am a chapter 7, asset discharged on 2/08. I planned on keeping up with the house but the payments were to much.

[b_girl]

Sorry to hear this. Our bank won't negotiate either. If the payments are too much and the lender isn't budging on that, maybe it's time to give up the fight and find a more comfortable payment.