Attorney Jeremy Dubyak established Dubyak Law Firm, P.A. to assist individuals facing real estate law challenges in the Pensacola, FL, region. At Dubyak Law Firm, P.A., we specialize in real estate law, providing dedicated assistance to homeowners and property owners dealing with lawsuits related to Residential and Commercial Real Estate. If you have been served with a summons, you have 20 days to respond to the Complaint. Failing to respond within this timeline could result in the Plaintiff (usually the bank suing you) filing for what is known as a default. Many individuals are under the misconception that declaring bankruptcy will significantly harm their financial situation.