Just one of you may attend,the judges are usually very 'fatherly' and understanding.He will have to grant the lender a suspended order and provided that you maintain future agreed payments you will be ok.The lenders agreed under the Mortgage code rules that possession will only be a last resort when all attempts to reach an alternative solution have been unsuccessful(sec8.3 the mortgage code) have a reasonable plan to put to the judge.good luck(posted 8332 days ago)