1. Contact creditors in time: After receiving the notice of prosecution, the first step is to contact creditors (usually banks or lending institutions) to understand the specific reasons and requirements of prosecution. Maintaining communication with creditors and solving overdue problems as soon as possible can avoid further legal disputes.
2. Seek legal aid: If you are not familiar with legal procedures or cannot reach an agreement with creditors, it is recommended to seek professional legal aid. Please consult a lawyer, who can help you understand legal procedures and rights and provide appropriate advice.
3. Make repayment plan: negotiate with creditors to make a reasonable repayment plan and gradually repay overdue funds. According to their own economic situation, make a feasible repayment plan and reach an agreement with creditors. This will avoid further legal disputes and protect your credit history.
4. Seek mediation or reconciliation: In some cases, you can try to resolve disputes through mediation or reconciliation. This may require you to negotiate with creditors or the court to reach a mutually acceptable solution. Mediation or reconciliation can reduce the time and cost of legal proceedings and provide more flexible solutions for both parties.
5. Go through legal procedures: If no agreement can be reached with creditors or the court has made a judgment, you need to go through legal procedures. This may include appearing in court or fulfilling court decisions. Please ensure that you act according to the requirements of legal procedures to avoid further legal consequences.
In short, in the face of overdue mortgage litigation, timely contact with creditors, seeking legal aid, making repayment plans, seeking mediation or reconciliation, and observing legal procedures are the key to deal with the problem. I hope the above information is helpful to you.
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