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If a reply is required, the reply must be served within 20 days after service of the answer.
The common affirmative defenses are fraud, undue influence, lack of notice required under the mortgage, standing, payment, and duress. However, there are others including, incorrect legal description in the mortgage (there is case law here), estoppel, unclean hands, and rescission.
If you want the judge to consider your legal defenses, you must include them in the form you file to respond to the lawsuit (your Answer). Include any possible defense you want the judge to consider in your Answer. You can focus on one, once you've collected more evidence while preparing for your trial.
Affirmative defenses are the type of ?yea, but?..? defenses. Think of them this way: even if the allegations or accusations in the complaint are true, you still win ! Examples of common affirmative defenses include statute of limitations and & satisfaction.
Florida Rule of Civil Procedure 1.100(a) states that ?if an answer ... contains an affirmative defense and the opposing party seeks to avoid it, the opposing party shall file a reply containing the avoidance. No other pleadings shall be allowed.? (Emphasis supplied.)