New Jersey Foreclosure Response

Summary

In New Jersey, responding to a foreclosure complaint involves filing an Answer with the court. This includes a caption with court details, an introduction stating your role as the defendant, and responses to each allegation with admit, deny, or lack sufficient knowledge. You can also include affirmative defenses like improper service or incorrect mortgage amount, and counterclaims if applicable. A prayer for relief should state your request, such as dismissing the complaint. Ensure your answer is signed, dated, and includes a certificate of service to the plaintiffs attorney. Its crucial to file within the specified time frame, usually 35 days after receiving the complaint. Consulting a local attorney for specific guidance is advisable.

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write the generic answer
If you're facing foreclosure in New Jersey, here's a general process for responding to a foreclosure complaint:
- Caption: Include court name, parties, and docket number.
- Introduction: State your name and role as defendant.
- Answer Each Allegation: Respond to each complaint paragraph with "admit," "deny," or "lack sufficient knowledge."
- Affirmative Defenses: Include defenses like improper service or incorrect mortgage amount.
- Counterclaims: Assert any claims against the lender, if applicable.
- Prayer for Relief: State your request, such as complaint dismissal.
- Signature and Date: Sign and date your answer.
- Certificate of Service: Confirm you sent a copy to plaintiff's attorney.
File your answer within the specified time frame, usually 35 days from receiving the complaint. Consider seeking legal counsel for specific advice.