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. You have 35 days from the date you are served with the summons and complaint to file an answer to the NJ foreclosure complaint. If there is a verification you should make a verified Answer. You have 20 days to respond to a debt lawsuit in Arizona. 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. A subordinate interest properly named in the foreclosure complaint will be subject to the final judgment of foreclosure.