The plaintiff must serve the defendant with the foreclosure complaint. This can be done through certified mail, a courier service or in person.We can provide you with samples of court forms that are available. • We can provide you with guidance on how to fill out forms. A sample Foreclosure Answer Form is attached or you can use the DIY Foreclosure. You have 35 days from the date you are served with the summons and complaint to file an answer to the NJ foreclosure complaint. Sign up for the latest news and updates from Somerset County, NJ. Looking to navigate the sudden wave of foreclosures in the NEW JERSEY area? (Attorney Civil Complaints) case filed on August 20, 2008 in the New Jersey District Court. Answer each issue of the Complaint. 2.