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File and send an Answer The first step for you after receiving the summons and complaint is to file an Answer with the court and to send the Answer to the law firm that is representing the lender. If the lawsuit is given to you by personal service, you have 20 days from the date of delivery to file and send an Answer.
The summons lets the defendants know that they must respond to the complaint by filing a formal answer with the court within either 20 or 30 days, depending on whether the service was in person or by mail. The summons also informs defendants of the date of the first court hearing.
If you got a Summons and Complaint, you need to deliver a written Answer form to the plaintiff and the Court. Your Answer is what you tell the court about what the plaintiff said in the Complaint. The Answer tells the court your defenses or reasons the plaintiff must not win the case.
Generally, if the complaint has been sworn to (verified), then the answer must be verified as well. See CPLR 3020. In any event, the answer must be signed by defendant's attorney or by defendant if self-represented.
90 Day Pre-foreclosure Notice Lender must mail you information on getting help at least 90 days before starting a court case.