To add to this, after reading through the thread more, we didn't answer *at all* (just showed up to court and spoke during the 2015-2016 settlement conferences, as each notice stated) until we involved a lawyer to oppose this July/August '17 motion to vacate the lender's previous dismissal.
What was there to answer? "Uh. Yeah. We've been waiting for this because we haven't paid in years... the lender was supposed to modify and hasn't but there's no recourse for us to hold them to it for that so... g'head." Nope. We weren't going to pay a lawyer for that.
We still even get monthly statements from the most-recent servicer. "Your account is 2333 days delinquent" and showing escrow at NEGATIVE $30K or so.
What was there to answer? "Uh. Yeah. We've been waiting for this because we haven't paid in years... the lender was supposed to modify and hasn't but there's no recourse for us to hold them to it for that so... g'head." Nope. We weren't going to pay a lawyer for that.
We still even get monthly statements from the most-recent servicer. "Your account is 2333 days delinquent" and showing escrow at NEGATIVE $30K or so.