Illinois Mortgage Foreclosure Appearance & Answer refers to the legal documents that are filed by a mortgage lender in court after the borrower has defaulted on their home loan. The documents include an Appearance & Answer form, as well as a Summons and Complaint (also known as a Notice of Foreclosure). The Appearance & Answer form is a legal document in which the borrower can formally respond to the foreclosure action. It typically includes a statement outlining the borrower's defenses to the foreclosure and their proposed resolution to the default. The Summons and Complaint outlines the lender's case against the borrower, including any alleged breach of contract and the amount of the loan in default. There are two types of Illinois Mortgage Foreclosure Appearance & Answer documents: the Joint Appearance & Answer form and the Individual Appearance & Answer form. The Joint Appearance & Answer form is used when a borrower has a co-signer on the loan; it includes both the borrower and co-signer's responses to the foreclosure action. The Individual Appearance & Answer form is used when the borrower is the only party on the loan; it includes only the borrower's response to the foreclosure action.