We can provide you with samples of court forms that are available. • We can provide you with guidance on how to fill out forms.The plaintiff must serve the defendant with the foreclosure complaint. This can be done through certified mail, a courier service or in person. I have read the Complaint and certify that the allegations contained in the Complaint are true to the best of my knowledge and belief. You have 35 days from the date you are served with the summons and complaint to file an answer to the NJ foreclosure complaint. We have had complaints about significant increases in the monthly minimum payment, for example, from 2 percent to 5 percent on existing balances. I want to file an answer to the foreclosure complaint. My wife is not on the note but she is included in the complaint. Initial Document Filed Verified Complaint for Divorce.