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. This article will explain the foreclosure process. In your Answer to a foreclosure complaint you must explain to the court why the lender does not have the legal right to foreclose. If there is a verification you should make a verified Answer. A foreclosing lender, under the facts of that case, was not required to possess the original note evidencing the underlying loan obligation. - lsnj in PDF format online at no cost: Sign up and sign in. There will be a notice with information about the free NJ court foreclosure mediation program attached to the summons and complaint.