Wisconsin foreclosure effect Indiana home & other ?'s

[Jess Lee]

We finally got a letter on Sat from a lawyer for the mortgage company saying that we have 30 days to make up payments on our home in Wisconsin. We will not be doing this so we know we will be losing the home.

Our questions are:

Do we need to appear in Wisconsin when they take the house? We have not lived there in two years and have nothing there to collect.

Will our home in Indiana be at risk? We moved here in 2006 and have made all our payments on this home and the one in Wisconsin until 6 months ago, when it began to be impossible to do so any longer so we stopped paying on the Wisconsin one and began working with the mortgage company with no help.

Will we be responsible for any money to be paid once the home is gone? All utilities are up to date and taxes are being paid on schedule.

Do we need a lawyer? And if so in Wisconsin or Indiana or both?

From the state by state directory:

"The foreclosure notice must be recorded with the county prior to the time the first notice of foreclosure is published. The notice, which must include the time and place of sale, must be published once a week for six consecutive weeks in a newspaper in the county where the property is located.

The notice must be served upon the borrower in the same manner that civil process in a lawsuit is served."

As we live in Indiana how will this be served?