What should I do if I'm named in this foreclosure notice?

Contact an attorney immediately and file a written answer in Clay County District Court before the deadline stated in the full notice to avoid default.

How much is claimed in this foreclosure case?

The plaintiff seeks $59,972.81 plus 3.625% interest from September 1, 2025, and additional costs and fees.

Can the lender sell my home if I don't respond?

Yes; if you fail to respond, the court may enter judgment allowing foreclosure sale and repayment from sale proceeds.

Foreclosure — Spencer (EQCV037334)

Official courthouse record · Indexed in NoticeRegistry archive · AI-enriched for research

Lender

Affects:DefendantsProperty BuyersCreditors

A foreclosure lawsuit was filed March 9, 2026, seeking $59,972.81 plus interest, fees, and costs against defendants including Steve Firkins and Parties in Possession. The lender asks the court to foreclose its mortgage and recover unpaid amounts as a lien on the property.

Key Takeaways

Foreclosure lawsuit filed March 9, 2026
Plaintiff seeks $59,972.81 plus 3.625% interest from Sept 1, 2025
Defendant named: Steve Firkins and others
Plaintiff requests foreclosure and lien on the property
Costs, attorney fees, and title costs also sought

Published: May 12, 2026 · 1 week ago
Category: Foreclosure
City: Spencer
Case #

EQCV037334

Research context

2 foreclosure notices in Spencer (last 12 months)

View full case dossier

All filings for #EQCV037334 with AI case analysis

If you don't respond

If you do not respond to the petition, the court may enter a default judgment and grant foreclosure and a lien against the property, allowing sale and recovery of the claimed amounts.

What to do next

1
Locate full original notice
Obtain the complete filed petition and summons from the Clay County District Court to confirm deadlines and detailed allegations.
2
Consult a foreclosure attorney
Speak with an attorney experienced in Iowa foreclosures immediately to discuss defenses and options before any court deadline.
3
Respond to the court
File a written answer with the Clay County District Court before the response deadline stated in the summons to avoid default judgment.

Frequently asked questions

What should I do if I'm named in this foreclosure notice?: Contact an attorney immediately and file a written answer in Clay County District Court before the deadline stated in the full notice to avoid default.
How much is claimed in this foreclosure case?: The plaintiff seeks $59,972.81 plus 3.625% interest from September 1, 2025, and additional costs and fees.
Can the lender sell my home if I don't respond?: Yes; if you fail to respond, the court may enter judgment allowing foreclosure sale and repayment from sale proceeds.

The suggestions and answers above are AI-generated for general information only. They can be wrong, and we don't take responsibility for their accuracy. Talk to a qualified professional before acting on them.

Legal terms in this notice

Mortgage foreclosure: A legal process where a lender asks the court to sell a property to repay a defaulted loan secured by that property.
Lien: A legal claim on property allowing repayment of a debt from its sale proceeds.
Parties in Possession: People currently occupying the property who may not be the recorded owners.

Full Notice Text

IN THE IOWA DISTRICT COURT OFCLAY COUNTYEQUITY NO: EQCV037334ORIGINAL NOTICEFOR PUBLICATIONCarrington Mortgage Services, LLCPlaintiﬀ,vs.Steve Firkins; Telco Triad Community CreditUnion; Unknown spouse, if any, of SteveFirkins; Parties in Possession, et al.Defendants.You are notiﬁed that a petition has beenﬁled in the oﬃce of this court naming you asa defendant in this action. The petition wasﬁled on March 9, 2026, and prays for fore-closure of Plaintiﬀs Mortgage in favor ofthe Plaintiﬀ on the property described in thisnotice and judgment for the unpaid principalamount of $59,972.81, with 3.625% per an-num interest thereon from September 1, 2025,together with late charges, advances and thecosts of the action including (but not limitedto) title costs and reasonable attorney's fees,as well as a request that said sums be declareda lien upon t

Related Notices

Notice

DateCategoryCity

Carrington Mortgage Services filed a foreclosure case on March 9, 2026, seeking $59,972.81 plus 3.625% interest from September 1, 2025, fees, costs and a lien against the defendant's property. Defendants include Steve Firkins and others.

May 19, 2026ForeclosureSpencer

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