Illinois Getting Started Mortgage Foreclosure appearance & answer is a program created by the state of Illinois to support homeowners facing foreclosure. The program provides resources and guidance to help homeowners understand the foreclosure process and their rights and responsibilities as borrowers. The program also offers assistance in finding alternative solutions to foreclosure, such as loan modification, refinance, or deed-in-lieu of foreclosure. There are two types of Illinois Getting Started Mortgage Foreclosure appearance & answer: 1) Appearance & Answer with Service: This type of appearance & answer involves serving the foreclosure complaint on the homeowner, and then filing an answer with the court. The answer must be filed within 30 days of the service of the complaint, and must include a defense to the foreclosure. 2) Appearance & Answer without Service: This type of appearance & answer does not involve serving the foreclosure complaint on the homeowner. Instead, the homeowner files an answer with the court before the foreclosure is served. The answer must be filed at least 7 days before the date of sale, and must include a defense to the foreclosure.