A written answer must be filed with the Clerk of Courts within 28 days from the date you receive the summons. Cuyahoga County Common Pleas Court Seal Common Pleas Court General DivisionOhio Deficiency Judgment Laws. In Ohio, the lender can get a deficiency judgment against you for the remaining balance as part of the foreclosure lawsuit. Pursue a Foreclosure Defense. If you forgo an appeal or bankruptcy, then you will need to show there is another legal reason why the sale should be stopped. Mortgage servicers should take particular note, as Judge Russo's standing order contains some unique requirements that are not found elsewhere. Our state follows a judicial foreclosure process, which means that a lender must file a formal lawsuit to foreclose on a house. This question is specific to Cuyahoga Country foreclosure sheriff's sales. I am considering purchasing a condominium.