Quick answer
Treat the legal case and loss-mitigation application as separate tracks with separate deadlines.
Do now
Gather the complete papers, service date, loan history, and assistance records. Seek legal help and housing counseling immediately. NJ’s self-help answer packet describes a 35-day response period; confirm its application to your service and case. NY settlement conferences do not eliminate the need for a timely answer. DC procedures need local review.
Watch for
Negotiations do not guarantee a sale postponement.
Official sources
NJ Courts — Answering a Foreclosure Complaint, NY Courts — Foreclosure Information for Homeowners, DC DISB — Foreclosure Prevention, CFPB — Housing Insecurity.
