Illinois Additional Defenses for Mortgage Foreclosure Appearance & Answer is a legal document that a mortgagor (borrower) may file with the court when they are facing foreclosure. This document is used to raise certain defenses to the foreclosure proceedings, such as challenging the validity of the mortgage or the enforceability of the underlying debt. The document must be filed in the county where the mortgage was executed and must be served upon the lender. Types of Illinois Additional Defenses for Mortgage Foreclosure Appearance & Answer include: 1. Challenge to Validity of Mortgage — This is a defense to foreclosure based on the assertion that the mortgage was not validly executed, that it was obtained by fraud or duress, or that it was otherwise invalid. 2. Challenge to Enforceability of Underlying Debt — This is a defense to foreclosure based on the assertion that the underlying debt is not enforceable, such as when the debt is discharged in bankruptcy or when the lender has failed to comply with applicable state laws. 3. Challenge to Notice of Default — This is a defense to foreclosure based on the assertion that the lender failed to provide proper notice of the default to the mortgagor. 4. Challenge to Acceleration — This is a defense to foreclosure based on the assertion that the lender improperly accelerated the mortgage by demanding all unpaid amounts due immediately. 5. Challenge to Amounts Due — This is a defense to foreclosure based on the assertion that the amount of the debt claimed by the lender is incorrect. 6. Challenge to Standing — This is a defense to foreclosure based on the assertion that the lender is not the proper party to bring the foreclosure action, such as when the debt has been assigned to another entity.