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I am prohibited from giving legal advice, such as how to write an answer. Generally, when you are served with a foreclosure summons, you must file an appearance and answer within 30 days of receiving the summons or the judge will order foreclosure against you. It is possible
that the mortgage company can obtain a deficiency judgment against you as well, for the balance remaining on the loan.
An appearance lets the court know you are aware of the lawsuit and by filing the appearance, the court will notify you of future court dates. The answer addresses the allegations made in the complaint for foreclosure. You need to respond to each paragraph of the complaint. If you don't respond to the allegations in the paragraph, the court will
assume you agree with it.