Served with foreclosure papers-have 20 days to respond to court-what info should be in the response ASAP please

Your best bet is to have a consult with an attorney and discuss your options and what you desires are for the property.

No one can tell you on a web site what is the proper response to make in your case. You would be much better served to file a Motion for Enlargement of Time - today, by hand, and get a clerk-stamped receipt - and the find an experienced foreclosure defense attorney to review your situation with you in order to decide what should be done next. Do not let the fact that a response is due tomorrow crowd you into making a serious mistake.

You definitely need to consult with an attorney. Foreclosure defense is very technical. Any response to a Complaint must be tailored to the allegations in your specific complaint.

Consult with an attorney to protect your interests