once you are served with a summons for a foreclosure on mortgage and you have 20 days to respond, should you file an answer or should you try to work with your mortgage company first or contact the attorney that served you the papers, and if you file an answer what should you put that you are working with the mortgage company and trying to resolve the matter, please help if you can

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You may want to post this under real estate to get a better response. You may want to contact your own attorney to discuss your legal options before the time to answer runs out. You can locate an attorney through the attorney locator on Lawinfo's home page at http://www.lawinfo.com/. Some do offer free consultations.