Filling out an Answer

Step 1:
FILL OUT THE “CAPTION” OF THE ANSWER
Step 2:
FILL OUT THE FIRST PAGE OF THE NOTICE OF APPEARANCE
Step 3:
CHECK OFF AND EXPLAIN YOUR DEFENSES
Step 4:
ADD ANY ADDITIONAL INFORMATION
Step 5:
FILL IN THE BOTTOM OF THE 4TH PAGE
Step 6:
FILL OUT AND SIGN THE VERIFICATION SECTION
Step 7:
MAKE 2 COPIES OF THE VERIFIED ANSWER
Step 8:
“SERVE” THE PLAINTIFF’S ATTORNEY
Step 9:
FILL OUT THE AFFIDAVIT OF SERVICE
Step 10:
FILE THE VERIFIED ANSWER AND AFFIDAVIT OF SERVICE AT THE COUNTY CLERK
Step 11:
APPEAR AT YOUR SETTLEMENT CONFERENCE

Other Defenses or Counterclaims

If you have any other claims you would like to tell the court about, list them all here. Be as specific as possible and add sheets of paper if necessary.

STEP 4: ADD ANY ADDITIONAL INFORMATION TO THE

Other important facts concerning my mortage or home

This can include facts surrounding any of the defenses you have already checked off or any other facts that you think the Court should know about. This is where you should tell your story. Below are some possible ideas that could apply to you. Always be as specific as possible and attach additional pages if needed!

  1. You were pressured to sign the mortgage or home purchase documents.
  2. You were discouraged from using your own attorney or appraiser or other independent advisor.
  3. You did not receive a financial benefit from your mortgage.
  4. The interest rate is extremely high, or higher than you qualified for given your credit history at the time you obtained your mortgage.
  5. You were charged high closing costs or fees.
  6. Your loan application was falsified (e.g. your income was misstated on your application).
  7. You were told that utilities, medical expenses, or other bills would be paid off by your mortgage, but they weren’t.
  8. You were told that your house was worth more than its actual value.
  9. Your home was in poor condition when you purchased it and you were promised repairs that were never made.
  10. You were falsely told that you could earn rental income from your home to help pay the mortgage.
  11. You believe that you were targeted for an unfair or abusive mortgage loan based on your race, national origin, sex, mental or physical disability, age, alienage/ citizenship status, or other legally protected characteristic.
Previous Steps
Next Page