The Answer is your response to the Summons and Complaint and tells the court your defenses or reasons why the mortgage Lender must not win the case. Foreclosure Pre-Settlement (FPS)It is very important to file and send an Answer. Brooklyn homeowners facing foreclosure can get legal assistance at the Foreclosure Clinic at Kings County Supreme Court Monday – Friday, 10 am-1 pm. Together with, and subject to, the rights, obligations, easements, restrictions, agreements and other provisions set forth. The complaint will state the lender's claim to the amount owed and the summons will require the borrower to appear in court. The complaint, which can also be called a "petition," will set out all of a lender's claims for seeking a foreclosure.