The Answer is your response to the Summons and Complaint and tells the court your defenses or reasons why the mortgage Lender must not win the case. The attorney will then file a complaint in Wayne County District Court.The summons and complaint will be delivered to each defendant and defendant lienholder. You may file a written answer in which you present your defenses and explain the reasons why the lender is not entitled to a foreclosure judgment. Complete the Request for Mediation form and return it to the Court at the address listed on the Request. You, the borrower, need to keep in mind that you have just 20 days to file an answer to a foreclosure complaint; otherwise, a notice of default can be entered. Complaint Against the Valuation of Real Property. Answer all questions and type or print all information. Need to enforce a mechanic's lien? Our experienced attorneys guide you through the foreclosure process.