Jesup, GA Bankruptcy Law Firms & Lawyers

A debtor cannot, but perhaps you mean a "creditor." A creditor is a party to whom something is owed, such as a Credit Card company. The debtor is the one owing the money, such as the customer with the unpaid credit card balance. If a credit card company has an unpaid balance owed to it, they can bring suit in court against the debtor in order to collect the money owed. If you do not respond to the Summons with Notice, or Summons and Complaint, the creditor can ask for a default judgment to be entered against you. They can then proceed to enforce the judgement against you and collect the debt you owe, including garnishing your wages.

If the lender has not foreclosed on the home then you still own the property and can do what you want with it however remember that the lender can still at any time enforce their right to be paid and start foreclosure proceedings if the loan is not paid.