The plaintiff must serve the defendant with the foreclosure complaint. This can be done through certified mail, a courier service or in person.Forms ; Complaint Verification. PDF ; Summons with Notice. You will fill out three sections: The caption; Your defenses and counterclaims; The signature page. The lender must send the notice at least 30 days but not more than 180 days before filing a complaint. If there is a verification you should make a verified Answer. This document provides instructions for homeowners on how to file an answer to a foreclosure complaint in New Jersey. I have read the foregoing answer to the complaint. A lender who intends to foreclose on your property must provide you a letter at least 90 days prior to filing a foreclosure complaint in court.