If you’re served with a summons in foreclosure complaint, the worst thing that you can do is nothing. There are options available to you, so you want to be able to answer or provide some reply to the complaint within 20 days of the service of the complaint.
So find yourself a qualified attorney and they can discuss various options such as a modification, such as a short sale, or defenses to the lawsuit. So again what you need to do is try to defend it.