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A summary judgment motion requires that the response be filed at least ten days before the return date. The rules of civil procedure govern foreclosure cases and they set deadlines for a defending party to take action.The original answer must be filed with the Court within 20 (calendar) days of receiving the mortgage complaint. What's an "Answer" in a Lawsuit? If the Borrower has pled and can prove Affirmative Defenses to the Bank's case, then the Borrower files a Response to the Foreclosure Summary Judgment Motion. The original of your Answer should be filed with the Clerk of the Court where the case is filed. The original note and the allonges must be filed with the court before the entry of any judgment of foreclosure or judgment on the note. Look at the top of the summons to see if it was filed in the County or Circuit Civil. Court. A party must request oral argument or an evidentiary hearing in a separate document accompanying the party's motion or response and stating the time necessary. Every motion filed before a judge has to have a valid legal reason for its requested action.