As shown in the sample Answer below. A sample Foreclosure Answer Form is attached or you can use the DIY Foreclosure.The Law Office of Ronald D. Weiss represents clients throughout the entire foreclosure process. We can help you find solutions to prevent foreclosure. To contest a judicial foreclosure, you have to file a written answer to the complaint (the lawsuit). Learn about the foreclosure process in New Jersey and find resources for self-help, legal assistance, and avoiding scams. Free mediation services available. Learn about the requirements for preparing and filing a civil complaint, including how to prepare a summons, along with some cautions. The defendant must sign the answer to the complaint and mail a copy to the lender's attorney. The foreclosure proceeding actually starts when the lender's attorneys file a notice of pendency and a summons and complaint with the county clerk's office.