The plaintiff must serve the defendant with the foreclosure complaint. This can be done through certified mail, a courier service or in person.Customer: I want to file an answer to the foreclosure complaint. My wife is not on the note but she is included in the complaint. How to File an Answer to a Foreclosure Complaint. The numbered steps listed below tell you what forms you will need to fill out and what to do with them. Overview of the Foreclosure Process. Create a free account, set a strong password, and go through email verification to start working on your templates. There will be a notice with information about the free NJ court foreclosure mediation program attached to the summons and complaint. You must also show that the landlord has served you with a summons and complaint for eviction for nonpay- ment of rent.