If in case you are trying to keep your house, you can try to file a BK13 and list all your debt as unsecured debt. In that case, your bank need to show they actually have the note and can able to show it in court. It it does show up in court, make sure the note is not signed already. If it was signed and sold, they do not have the claim on the house already. Also, since he medical bill is unsecured debt, you may actually can get it dismiss from the court. Well, that is just another way to due with it. Good Luck! I personally fighting 2 forclosure now. One should be void since one of the notary is a robo signer. Because of that, the mortgage is void. I am just waiting for the response on the SOS from the state. Also, there is a law was back in 2009. If the assignee did not recorded his interested in the recording office within 30 days, they lost their right to foreclose. Check that out by yourself.