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. This legal form will take an in-depth look at the foreclosure purchasing process through this form we hope to address common questions and concerns.Foreclosure is a long and drawn out process in New York, which often times can work to the homeowner's advantage, let our attorneys guide you today. Judicial foreclosure means the lender goes through the court system and sues the homeowner to repossess the property. Wait for the debtor facing foreclosure to sell or refinance their mortgaged property before bankruptcy, dealing with creditors. When a contractor successfully forecloses on a mechanics lien or wins any civil lawsuit, they walk out of court with a judgment. That's not the case anywhere I'm aware of. A judgment IS a lien against property, it doesn't have to becalled a "lien". In most cases, a judgment lien remains on the property's title until you sell or refinance your house. When mortgagees file a foreclosure they list all subordinate lien holders such as Judgment lien holders.