Anyone know about foreclosures? OT

Just wondering. I FINALLY, after over a year, received my "summons" and notice of the lawsuit about my house in Florida. I asked them over a year ago to begin the foreclosure proceedings and get it over with, telling them I was disabled and would be moving and where did they want me to send the key. They wouldn't even talk to me. I had a realtor who had a buyer for the house, but it wasn't as much as I owed on it due to a refinancing and they wouldn't accept a short sell. I got an attorney who sent them a letter telling them he was representing me and that ANY CORRESPONDENCE should go to him and not me. They ignored that and have only sent stuff to me. So I totally wasted the money on a lawyer. So finally today I get the summons by some big bully of a guy who was practically yelling in the hallway of my apartments telling all my neighbors that I was being served with lawsuit papers. Now, get this.... They have listed in the defendants, besides me, the man who sold the house to me. Now, mind you, this man paid off his mortgage and I bought the house. He is no more liable for that house than anyone who hadn't even seen the place. And yet they have him as one of the defendants. I called the realtor that I had worked with last year, thinking she had probably forgotten about me. Since I haven't been in Florida, I had no clue that she has kept the "FOR SALE" sign on it all this time and has had several people interested in it, but the mortgage company will not accept anything less than the full amount, plus all the late fees that have been tacking on it for over a year. She didn't have my phone number, she says, and couldn't get in touch with me and there was really no need since the mortgage company wouldn't accept any offers she sent them. I imagine she would have tried to find me if they had. Anyway, she has been in contact with them the whole time and they will not even talk to her unless she has a buyer who will pay the full amount. She says it's the craziest company she has ever dealt with (I knew that much.) She says she could sell that house in a heartbeat if they would accept what the house is worth. But apparently they are going to go to the expense of foreclosure and then they will have to accept a lower offer on the house because there is no way they can find a buyer for the full amount. The realtor says mortgage companies have to accept short sells all the time and she doesn't understand why this company is absolutely refusing to even consider the offers she has had. And she is totally clueless why they also served papers to the guy that I bought the papers from. Naturally, he was furious and called her asking her what the hey. So, I'm wondering if ANYONE here knows anything about foreclosures. You can email me at dechintabooks at yahoo dot com. No sense in talking it all out here. They talk in the papers of my responding within 15 days or something or other. Since they ignored the letter my lawyer sent and I don't have the money to hire him to write another letter they are probably going to ignore, I wonder if I write them a letter, get it notorized and send it certified mail if that will suffice. My lawyer had told me that there was really no point in my hiring him because there is nothing they can do to me since I don't have even one thing of value and they can't garnish a disability check. Plus, they have ignored me and my lawyer the whole time. I don't have any experience with being a "criminal" so I don't know what to do. They keep telling me that I signed those papers agreeing to pay for that house (and they make sure they enclose a copy of my signature to remind me) and I keep telling them that I know that I did, but I had no idea that I was going to become disabled in my early 40's and be unable to make my payments. I thought I would be at my job until I retired at a ripe old age. If someone had told me when I bought that house that I would be unable to work my normal 60-80 hours a week and would have to move back to ALABAMA at ANY point in my life, I would have called them all kinds of names that mean crazy. Do they honestly believe I CHOSE to leave Florida and my little house just so I could come and live in a tiny little Section 8 apartment in Alabama? Don't they think I would LOVE to be back in Florida and do they think I don't think about my little house every day and worry about it standing there empty with the grass taking it over? I understand where they are coming from, but it seems stupid of them to keep insisting that I pay for that house when they know I'm on disability and will never be able to pay for it. It seems like they should just cut their losses and sell the house. Well, whatever. If anyone knows anything that could help me, please email me. I have lived with this house hanging over my head for over a year. I will just be glad when it's over. And I hope they don't send anyone else from the dayumed Sheriff's office to my apartment to tell all my neighbors that I am being served papers in a lawsuit against me. Thanks for listening. Ya'll are all I've got and I had to get it off my chest. Love you, Joni

Sorry sweets, dont know a thing about it, sending ya hugssssssssss along the way! Sandy

I'm sorry too hon...I don't know anything about it. I hope everything works out quickly...I know its got to be stressfull. Hugs, Becky

Joni, I don't know a lot, but email me if you want to. The house we own now, we bought thru a foreclosure. There was a lot of RED TAPE!! Wow.It was an experience that I never want to go thru again. Love ya! Lindy

Hey Hon! I am in Real Estate and know a little about foreclosure but more importantly have several Real Estate attornies that I associate with that can get us some answers to your questions. I will email you when I get to work tomorrow and we will go from there! Love you Kim

Bless your heart. THANK YOU. I appreciate that more than you know. I want to cooperate with these people, but I don't want to screw myself over in the process, which is usually what happens when you don't know what you are doing and are unprepared. I really need to spend less time on quilting and reading and such as that and spend more time studying financial matters. If I had been smarter in that area, I wouldn't have gotten screwed over so many times. If I had been smarter in that area, I wouldn't have lost my house to start with. Love, Joni who is so glad we have such diverse people here where if one of us doesn't know something, someone else does!