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You may e-mail your form to a party if they have listed their e-mail address on a court document. The foreclosure process generally starts with a missed mortgage loan payment.A program to help you complete the forms for an Answer and Appearance, to respond to a Mortgage Foreclosure Complaint. A foreclosure is when a lender takes control of a property after the borrower misses several mortgage payments. Thinking about buying a foreclosed home? You can try to sell the property or get a loan to pay off your debt. On the sale date, your property will be auctioned to the highest bidder. Yes, but you must get the court's permission first. The Office of Foreclosure us a unit in the Superior Court Clerk's Office. The office handles seven types of foreclosures: 1.