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Chancery - General Equity

How to File an Answer to a Foreclosure Complaint

August 2016

Revised 08/2016, CN 11380 - How to File an Answer to a Foreclosure Complaint page 1 of 14

How to File an Answer to a Foreclosure Complaint

(Superior Court of New Jersey

- Chancery Division - General Equity)

Who Should Use This Packet?

You may use this package if you have received a summons and foreclosure complaint notifying you that you are

a party to a foreclosure complaint that has been filed with the New Jersey Superior Court.

•

If you are the borrower and you believe that the lender does not have a right to foreclose on your property,

you may file a written answer in which you present your defenses and explain the reasons why the lender is

not entitled to a foreclosure judgment.

•

If you are not the borrower, but you were named in the complaint either because you have an interest in the

property or for another reason, you may file a written answer to assert any rights you may have.

•

If you operate a business entity that was named in the complaint and the business is a corporation, LLC,

partnership or non-profit entity (i.e., not a sole proprietorship), then you cannot file the answer yourself

and you must hire an attorney to file the

answer and to represent the business entity in the foreclosure

case. The answer, if submitted by someone other than an attorney, will be returned.

If you choose to file an answer, you must do so within 35 days from the date that you receive the summons an

complaint; and you must include a completed

Foreclosure Case Information Statement, a Certification

Pursuant

to Court Rule 4:5-1 and the $175.00 filing fee ($250 for Answers with Counter-Claim, Cross-Claim

and/or Third

-Party Complaints) payable to the Treasurer, State of New Jersey. All documents must be dated

and have an original, ink signature. Copies, if submitted, will be returned

With limited exceptions, any paper filed with the court can be looked at by the public. You may only file an

answer on

behalf of yourself. You may not file an answer for anyone else. A Power of Attorney does not allow

you to file on behalf of anyone else. Answers filed on behalf of anyone else will be returned.

Note: These materials have been prepared by the New Jersey Administrative Office of the Courts for use by self-

represented litigants. The instructions and forms will be periodically updated as necessary to reflect current New Jersey

statutes and court rules. The most recent version of the forms will be available on the Judiciary’s Internet site

njcourts.gov. However, you are ultimately responsible for the content of your court papers.

Completed forms are to be submitted to Foreclosure Processing Services, Superior Court Clerk’s Office,

P.O. Box 971, Trenton, New Jersey 08625.

How to File an Answer to a Foreclosure Complaint

Revised 08/2016, CN 11380 - How to File an Answer to a Foreclosure Complaint page 2 of 14

Things to Think About Before You Represent Yourself in Court

Try to Get a Lawyer

The court system can be confusing and it is a good

idea to get a lawyer if you can. The law, the proofs

necessary to present your case, and the procedural

rules governing foreclosure cases are complex.

Most likely your opponent will be represented by a

lawyer. It is recommended that you make every

effort to obtain the assistance of a lawyer. If you

cannot afford a lawyer, you may contact the legal

services program in your county to see if you

qualify for free legal services. Their telephone

number can be found in your local yellow pages

under “Legal Aid” or “Legal Services.” A

Directory is also located online on njcourts.gov.

If you do not qualify for free legal services and need

help in locating an attorney, you may contact the

bar association in your county. That number can

also be found in your local yellow pages. Most

county bar associations have a Lawyer Referral

Service. The County Bar Lawyer Referral Service

can supply you with the names of attorneys in your

area who handle foreclosure matters and who may

be willing to consult with you at a reduced fee.

There are also organizations of minority lawyers

throughout New Jersey, as well as organizations of

lawyers who handle specialized types of cases. Ask

your county court staff for a list of lawyer referral

services that include these organizations.

If you decide to proceed without an attorney, these

materials explain the procedures that must be

followed to have your papers properly filed and

considered by the court. Failure to follow

procedures can result in a delay with processing

your documents.

These materials do not provide information on the

law governing your claims or defenses; information

on how to conduct pretrial discovery; information

on alternative dispute resolution procedures, such as

arbitration or mediation, that may be available or

required in your case; information on the kinds of

evidence you need to prove your claims or defense

at trial; or information on other procedural and

evidentiary rules governing foreclosure actions.

What You Should Expect If You Represent

Yourself

While you have the right to represent yourself in

court, you should not expect special treatment, help,

or attention from the court. The following is a list

of some things the court staff can and cannot do for

you. Please read it carefully before asking the court

staff for help.

• We can explain and answer questions about

how the court works.

• We can tell you what the requirements are to

have your case considered by the court.

• We can give you some information from your

case file.

• We can provide you with samples of court

forms that are available.

• We can provide you with guidance on how to

fill out forms.

• We can usually answer questions about court

deadlines.

• We cannot give you legal advice. Only your

lawyer can give you legal advice.

• We cannot tell you whether or not you should

bring your case to court.

• We cannot give you an opinion about what will

happen if you bring your case to court.

• We cannot recommend a lawyer, but we can

provide you with the telephone number of a

local lawyer referral service.

• We cannot talk to the judge for you about what

will happen in your case.

• We cannot let you talk to the judge outside of

court.

• We cannot change an order issued by a judge.

Keep Copies of All Papers

Make and keep copies of all completed forms and

documents related to your case.

How to File an Answer to a Foreclosure Complaint

Revised 08/2016, CN 11380 - How to File an Answer to a Foreclosure Complaint page 3 of 14

Overview

A foreclosure action typically begins when the lender sends a Notice of Intention to Foreclose to the property

owner. After 30 days have elapsed, the lender (plaintiff) may file a foreclosure complaint and a Foreclosure

Case Information Statement with the Superior Court Clerk in Trenton with the appropriate filing fee. The

homeowner or other defendant may file a written answer to the complaint, explaining why the lender does not

have the legal right to foreclose. This must occur within 35 days from receipt of the summons and foreclosure

complaint. The defendant must include a completed Foreclosure Case Information Statement,

Certification Pursuant to Rule 4:5-1 and the appropriate filing fee.

The answer will be reviewed to determine whether it is a contesting or non-contesting answer. If the answer is

determined to be contesting, the file will be transferred to the Superior Court judge in the vicinage in which the

property is located. If the answer is determined to be non-contesting, the Office of Foreclosure will retain the

file and process the foreclosure action.

For an explanation of the foreclosure process and what to expect to happen in a foreclosure action, see the

FAQs About Foreclosure on the Judiciary’s website, njcourts.gov.

Definitions of Words Used in This Packet

Affirmative Defense - Affirmative defenses set out facts and circumstances which if proved true (and which

the defendant has the burden of establishing) would act to defeat the plaintiff’s request for a foreclosure

judgment (even if the plaintiff’s allegations are true). Examples of affirmative defenses include specific

violations of the Fair Foreclosure Act, or the Truth in Lending Act, or fraud. See Rule 4:5-4.

Answer - An answer is the written document filed by the defendant that contains the response to each of the

statements made by the plaintiff and states whether the defendant admits the statement, denies it, or is without

sufficient information to know whether the statement is true. It also contains any affirmative defenses the

defendant may have.

Caption - A caption is the name of the case; it lists the name of both the plaintiff(s) and the defendant(s).

For example: ABC Mortgage Company, Plaintiff v. Mary Smith, Defendant.

Certification - A certification is statement that certain facts are true to the best of the knowledge of the

person making the statement. It is like an affidavit, but is not sworn before a notary or other authorized

person.

Certification of No Other Actions Pursuant to Rule 4:5-1 - A certification of no other actions is a sworn

written statement at the end of the answer in which you state that, to the best of your knowledge, the case in

which you are filing an answer is not the subject of any other court matter or arbitration, that there are no

other parties that need to be added to the case and that you recognize the obligation to notify all parties and

the court if there are any changes.

Complaint - A complaint is a document in which the plaintiff tells the court the legal basis for the right to

foreclose on the property.

Contesting Answer - A contesting answer is one that challenges the right of the lender to foreclose on the

defendant’s property. A contesting answer will be sent to a judge for a determination on the lender’s right to

foreclose.

How to File an Answer to a Foreclosure Complaint

Revised 08/2016, CN 11380 - How to File an Answer to a Foreclosure Complaint page 4 of 14

Definitions of Words Used in This Packet (continued)

Counter-Claim - A counter-claim is a claim that is made by a defendant against the plaintiff in the same

action.

Cross-Claim - A cross claim is a claim filed by either a plaintiff against another plaintiff or a defendant

against another defendant in the same action and related to the subject of the original claim.

Defendant - The defendant is the person being sued.

Docket Number - A docket number is the number the court assigns to a case so that it may be identified and

located easily. You must include the docket number on all your communications regarding your case. Note:

Documents without a docket number cannot be filed.

File - To file means to give the court the appropriate documents, forms and fees.

Foreclosure Case Information Statement (FCIS) - The FCIS is a form that summarizes your case for the

court. Court rules require that each party file an FCIS with its complaint or answer. The FCIS is included at

the end of this packet.

Non-contesting Answer - A non-contesting answer is one that does not challenge with specificity the

lender’s right to foreclose on the defendant’s property. A case with a non-contesting answer will not be sent

to a judge for resolution, but will be handled by the Office of Foreclosure in Trenton.

Plaintiff - The plaintiff is the person who files a complaint in a lawsuit.

Proof of Mailing - Proof of mailing is the form in which you provide the dates and method you used to give

the other parties copies of the papers that you filed in court.

Pro se - Pro se is a Latin term that means “on one’s own behalf.” A plaintiff or defendant in a law suit who

does not have an attorney is said to be appearing pro se.

Redaction - the censoring or obscuring of part of a text for legal or security purposes is called redaction.

Note: Any documents received by the Clerk’s office will be processed and placed in the case jacket which,

with limited exceptions, is available for public view.

Separate Defenses - Separate defenses contest the basis of the plaintiff’s claims. For example, a spouse

who, although named in the title to the property, did not execute the mortgage may file a separate defense

denying the statement in the complaint that the spouse is a party to the loan and executed the mortgage. See

Rule 4:5-3.

Service - Service refers to the delivery of the complaint or any other paper in a suit to the other parties in the

case. Formal legal service requires that the service be made by an authorized person or by mail or, in limited

situations, by publication in a newspaper.

Third-Party Complaint - A third-party complaint is a complaint filed against a third party by a defendant or

plaintiff, alleging that the third party is liable for all or part of a claim or counterclaim in dispute between the

original parties.

How to File an Answer to a Foreclosure Complaint

Revised 08/2016, CN 11380 - How to File an Answer to a Foreclosure Complaint page 5 of 14

The numbered steps listed below tell you what forms you will need to fill out and what to do with them.

Each form should be typed or printed clearly on 8 ½” x 11” white paper only. Forms may not be filed on

a different size or color paper.

Steps for Filing an Answer

STEP 1: Fill out the Answer (Form A).

The Answer tells the court in short and simple terms

whether you admit or deny the statements made by

the plaintiff in the complaint or whether you are

without sufficient information to know whether the

statements are true. You must respond to each

numbered paragraph in the complaint and list your

response in separate paragraphs, and either admit

the statement, deny the statement, or respond that

you do not have enough information to know

whether the statement is true. You must do this for

each count in the Complaint. The Answer can also

set forth every affirmative defense you may have to

the plaintiff’s claims.

Note: A response in a foreclosure answer that a

party is without knowledge or information is

considered a non-contesting response.

In the area for Affirmative Defenses, you can list

the facts that you believe could prevent the

foreclosure from taking place. You may state as

many separate defenses as you have and provide

any reasons you have why the plaintiff should not

be permitted to foreclose on your property. For

example:

● The plaintiff violated the Fair Foreclosure Act

(explain how)

● You, the defendant, fulfilled your obligation to

the lender (explain)

Note: You must be able to prove in court any

affirmative defenses you include in your answer.

Sign and print your name and date the remaining

statements on the continuation of Form A.

Make sure that you have redacted (blacked out)

any personal identifiers such as

• Social Security numbers,

• driver’s license numbers,

• vehicle plate numbers,

• insurance policy numbers,

• active financial account numbers, or

• active credit card numbers,

from any paper filed with the court, unless any such

personal identifier is required to be included by

statute, rule, administrative directive or court order.

If any active financial account is the subject of your

case and cannot otherwise be identified, you may

use the last four digits of the account to identify it.

Do not redact (black out) this information in the

original papers that you are keeping (such as a

bank statement) since you may have to show them

to the court at some point.

All foreclosure documents must be filed at:

The Administrative Office of the Courts

Superior Court Clerk’s Office

PO Box 971

Trenton, NJ 08625.

Foreclosure documents taken to the county for

filing will not be accepted for filing.

STEP 2: Complete the Foreclosure Case

Information Statement (FCIS).

The FCIS form is attached to this packet. You must

complete Section A and must print and sign your

name and print the date at the bottom of the form,

you do not need to complete Section B. Please

provide original signatures. Copies are not

accepted.

The completed FCIS must be filed with the

Answer. Failure to file this required document will

result in your answer being returned to you.

How to File an Answer to a Foreclosure Complaint

Revised 08/2016, CN 11380 - How to File an Answer to a Foreclosure Complaint page 6 of 14

You may only file an answer on behalf of yourself.

You may not file an answer for anyone else. A

Power of Attorney does not allow you to file on

behalf of anyone else. Answers filed on behalf of

anyone else will be returned.

STEP 3: Attach the Filing Fee

The fee for filing an Answer is $175. The filing fee

for an Answer with a Counter-Claim, Cross-Claim

and/or Third-Party Complaint is $250. Make a

check or money order payable to the Treasurer,

State of New Jersey.

STEP 4: Check Your Completed Forms and

Make Copies

Check your forms to make sure that they are

complete and that you have signed them in the

appropriate places. The Clerk’s Office will only

accept original documents. To avoid any confusion,

it is recommended that you sign all documents in

blue ink.

Make sure to make copies of your forms to send to

all parties, and retain a copy for yourself.

Checklist - In Steps 5 and 6 you will be directed to

mail your documents to the Superior Court Clerk

and other parties. The following checklist will help

insure your package is complete:

The original Answer, Certifications and

Foreclosure Case Information Statement

(FCIS).

The filing fee in the amount of $175 (if

filing an Answer only) OR The filing fee in

the amount of $250 (if the Answer contains

a Counter-Claim, Cross-Claim and/or

Third-Party Complaint) in the form of a

check or money order, made payable to

the Treasurer, State of New Jersey. Do

not mail cash.

Review your papers to ensure all personal

identifiers are redacted, (unless such

personal identifies are required to be

included).

STEP 5: Mail or Deliver the Answer and FCIS

to the Court.

Mail or deliver the original Answer and FCIS to the

Superior Court Clerk’s Office at the address below.

All files sent to the Clerk’s Office must have a have

an original, ink signature. If you mail the papers,

we recommend that you use certified mail, return

receipt requested.

Foreclosure Processing Services

Superior Court Clerk’s Office

P.O. Box 971

Trenton, New Jersey 08625

STEP 6: Mail Copies of the Answer and FCIS

to ALL Parties.

Within 35 days of the date that you receive the

summons and complaint, you must send a copy of

your Answer and FCIS to each party or, if the party

has an attorney, to the attorney for that party. It is

recommended that you use certified mail, return

receipt requested and keep the green card when it is

returned to you as proof of service.

Keep copies of all papers you provide to the

court or any other party. Make and keep for

yourself copies of all completed forms and any

canceled checks, money orders, receipts, bills,

contract estimates, letters, leases, photographs

and other important papers that relate to your

case.

How to File an Answer to a Foreclosure Complaint

Revised 08/2016, CN 11380-English - How to File an Answer to a Foreclosure Complaint page 7 of 14

Instructions for Completing the Answer (Form A)

1. At the top left of the form, enter your name, address, daytime phone number, and email address. Note: the

email address is required.

2. On the line labeled Plaintiff(s), type or print the name of party or bank that filed the foreclosure complaint.

3. On the line labeled Defendant(s), enter the name(s) of the defendants listed on the complaint.

4. On the line labeled County, enter the county where the case is filed.

5. On the line labeled Docket Number, enter the foreclosure docket number. This information can be found in

the complaint that was served on you.

6. To the left of residing at, enter your name(s).

7. On the line after residing at, enter the street address where you reside.

8. On the line after City of, enter the city where you reside.

9. On the line after County of, enter the county where you reside.

10. On the line after State of, enter the state where you reside.

11. In the section labeled As to the First Count, list your response in separately numbered paragraphs which

correlate to the numbered paragraphs in the First Count of the Complaint. Make sure to number the

paragraphs the same as they are in the complaint.

12. In the section labeled As to the Second Count, list your response in separately numbered paragraphs which

correlate to the numbered paragraphs in the Second Count of the Complaint. Make sure to number the

paragraphs the same as they are in the complaint.

Note: If the Complaint contains more than two counts, use additional paper to respond as to whether you

admit, deny, or are without knowledge or information sufficient to form a belief as to the truth of the

allegations in each of the paragraphs of the additional counts of the complaint. List your response in

separately numbered paragraphs which correlate to the numbered paragraphs in the additional Count of the

Complaint.

13. Under the heading of Affirmative Defenses, use the sections marked First Separate Defense, Second

Separate Defense, Third Separate Defense, First Affirmative Defense, and Second Affirmative Defense to list

any facts, or state your response to allegations that appear in the Complaint.

14. Date and sign the form, and print your name under the signature.

15. Use the second date and signature area for any additional defendant(s).

How to File an Answer to a Foreclosure Complaint

Revised 08/2016, CN 11380-English - How to File an Answer to a Foreclosure Complaint page 8 of 14

Instructions for Completing the Certification Pursuant To Rule 4:5-1

1. Date and sign the form, and print your name under the signature. Note: when you fill out this form, you are

certifying that the statements made on the form are true. If you willfully make false statements, you may be

subject to punishment.

2. Use the second date and signature area for any additional defendant(s).

Instructions for Completing the Certification of Mailing Answer to Court

and to the Attorney for the Plaintiff

1. Enter the date (mm/dd/yyyy format) in the first space provided after the word On... in item 2.

2. Enter the name of the plaintiff’s attorney in the space following mailed to….

3. Enter the address of the plaintiff’s attorney in the space following at….

4. Date and sign the form, and print your name under the signature. Note: when you fill out this form, you are

certifying that the statements made on the form are true. If you willfully make false statements, you may be

subject to punishment.

FORM A

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NOTICE: This is a public document, which means the document as submitted will be available to the public upon request.

Therefore, do not enter personal identifiers on it,

such as Social Security number, driver’s license number, vehicle plate

number, insurance policy number, active financial account number, or active credit card number.

Name

Address

Daytime Telephone

Email Address

Defendant(s) Pro Se

Superior Court of New Jersey

Chancery Division - General Equity

County

Docket No. F -

Plaintiff(s)

Civil Action

Answer

Defendant(s)

, residing at , in

the City of

, County of , and State of ,

by way of Answer

to the plaintiff’s complaint herein, says:

As to the First Count:

Defendant admits/denies or is without knowledge or information sufficient to form a belief as to the

truth of the allegation of each of the following paragraphs of the first count of the complaint as follows:

Print All Forms

Clear All Forms

Ext.

FORM A

Revised 08/2016, CN 11380-English - How to File an Answer to a Foreclosure Complaint page 10 of 14

As to the Second Count:

Defendant admits/denies or is without knowledge or information sufficient to form a belief as to the

truth of the allegation of each of the paragraphs of the second count of the complaint as follows:

Note: If the Complaint contains more than two counts, use additional paper to set forth whether you

admit, deny or are without knowledge or in

formation sufficient to form a belief as to the truth of the

allegations in each of the paragraphs of the additional counts of the complaint.

Affirmative Defenses

Note: Defendants must include all separate (see R. 4:5-3) and affirmative defenses (see R. 4:5-4), raise

them by motion as permitted in

R. 4:6-2, or otherwise raise the defense in a timely manner or those

separate defenses and affirmative defenses are waived. Use additional paper if necessary.

First Separate Defense

Second Separate Defense

Third Separate Defense

FORM A

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First Affirmative Defense

Second Affirmative Defense

Wherefore, Defendant demands judgment:

A. Dismissing the plaintiff’s complaint;

B. Awarding defendant costs incurred in defending against this action; and

C. For such other relief as the court deems just and equitable.

Dated:

Signature

Print or Type Name

Dated:

Signature

Print or Type Name

FORM A

Revised 08/2016, CN 11380-English - How to File an Answer to a Foreclosure Complaint page 12 of 14

Certification Pursuant To Rule 4:5-1

he matter in controversy is not the subject of any other action pending in any other New Jersey court.

There are no pending arbitration proceedings. No other action or arbitration proceedings are

contemplated. No non

-party is known who would be subject to inclusion or joinder in this case because

of potential liability

Dated:

Signature

Print or Type Name

Dated:

Signature

Print or Type Name

Certification of Mailing Answer to Court and to the Attorney for the Plaintiff

I hereby cer

tify that:

A copy of the within Answer was filed within the time prescribed by the Rules of Court.

On , I the undersigned, mailed to , Attorney for

Plaintiff, at , by regular mail,

a true copy of the within Answer.

I hereby certify that the statements made by me in this document are true. I am aware that if any are

willfully false, I am subject to punishment

Dated:

Signature

Print or Type Name

Dated:

Signature

Print or Type Name

How to File an Answer to a Foreclosure Complaint

Revised 08/2016, CN 11380-English - How to File an Answer to a Foreclosure Complaint page 13 of 14

Instructions for Completing the Foreclosure Case Information Statement (FCIS)

Use this as a cover letter for a party’s first pleading. Plaintiffs must complete the entire form. Defendants

complete Section A only, print their name(s), and sign and date the form at the designed area at the bottom.

Section A

1. Under Caption, enter the name of the case (the name(s) of the plaintiff(s) vs. the defendant(s)). For

example: John Doe, Plaintiff vs. Mary Smith, Defendant.

2. Under the County of Venue, enter the county where the property is located.

3. Under Docket Number, enter the docket number of your case, if known.

4. Under Name(s) of Filing Party(ies) enter your name and party type (plaintiff or defendant). For example:

John Doe, Plaintiff or Mary Smith, Defendant.

5. Under Document Type, enter the type of paper are you filing. Select the appropriate checkbox for your

filing: Complaint, Answer, Other

6. Under Attorney Name, list the name of your attorney (if applicable). If you are not represented by an

attorney, enter your name.

7. Under Firm Name, enter your attorney’s firm name. If you are not represented by an attorney, leave this

space blank.

8. Under Mailing Address, enter the mailing address of your attorney (if applicable). If you are not

represented by an attorney, enter your address.

9. Under Daytime Phone Number, enter a telephone number (including area code) where you can be reached

during the day.

Section B (If you are the Plaintiff complete Section B. Otherwise skip to the signature section)

1. In the Foreclosure Case Type Number section, select the response that best describes your case.

2. In the next section select the appropriate response (yes or no) to each of the three questions. If you select

“yes” for “Related Pending Case” list any and all docket numbers.

3. In the Full Physical Street Address of Property section, enter the complete physical address for the property

being foreclosed on, including apartment number.

4. Enter the municipality code for the property being foreclosed on. (The Municipality Codes can be found at

http://www.njcourts.gov/forms/11343_municodes.pdf)

5. Enter the municipal block and lot numbers.

Signature Section (To be completed by all parties)

1. Under Attorney/Self Represented Signature, either your attorney or you (if appearing Pro Se) must sign. If

the document is being filed on behalf of more than one self-represented litigant, than all parties must sign

and date the form.

2. Under Print Attorney/Self Represented Name, please print either your attorney’s name or the names of all

self-represented litigants for whom the document is being filed.

3. Date the form.

4. Note: when you fill out this form, you are certifying that the statements made on the form are true. If you

willfully make false statements, you may be subject to punishment.

Appendix XII-B2

FOR USE BY CLERK’S OFFICE ONLY

PAYMENT TYPE: CK CG CA MO

RECEIPT NO.

AMOUNT:

OVERPAYMENT:

BATCH NUMBER:

FORECLOSURE

ASE INFORMATION STATEMENT

(FCIS)

Use for initial Chancery Division — General Equity

foreclosure pleadings (not motions) under Rule 4:5-1.

Pleading will be rejected for filing, under Rule 1:5-6(c),

if information is not furnished or if attorney’s signature

is not affixed.

BATCH DATE:

SECTION A: TO BE COMPLETED BY ALL PARTIES

CAPTION COUNTY OF VENUE

DOCKET NUMBER (when available)

NAME(S) OF FILING PARTY(IES) (e.g . John Doe, Plaintiff) DOCUMENT TYPE

COMPLAINT ANSWER OTHER

ATTORNEY NAME (IF APPLICABLE) FIRM NAME (IF APPLICABLE)

MAILING ADDRESS DAYTIME TELEPHONE NUMBER

SECTION B: TO BE COMPLETED BY PLAINTIFF TO INITIAL COMPLAINT

FORECLOSURE CASE TYPE NUMBER

088 IN PERSONAM TAX FORECLOSURE

089 IN REM TAX FORECLOSURE

S THIS A HIGH RISK MORTGAGE PURSUANT

P.L.2009,C.84 AND P.L.2008,C.127

YES NO

0RF RESIDENTIAL MORTGAGE FORECLOSURE

0CF COMMERCIAL MORTGAGE FORECLOSURE

PURCHASE MONEY MORTGAGE

YES NO

0CD CONDOMINIUM OR HOMEOWNER’S ASSOCIATION

IEN FORECLOSURE

ELATED PENDING CASE

YES NO

091 STRICT FORECLOSURE

F YES, LIST DOCKET NUMBERS:

OFP OPTIONAL FORECLOSURE PROCEDURE (NO SALE)

0TS TIME SHARE FORECLOSURE

FULL PHYSICAL STREET ADDRESS OF PROPERTY: MUNICIPALITY CODE (*)

MUNICIPAL BLOCK:

ZIP CODE COUNTY: (LOTS)

ALL FILING PARTIES MUST SIGN AND PRINT NAMES(S) AND DATE THE FORM BELOW

I certify that confidential personal identifiers have been redacted from documents now submitted to the court, and will be

redacted from all documents submitted in the future in accordance with Rule 1:38-7(b).

ATTORNEY / SELF REPRESENTED SIGNATURE PRINT ATTORNEY / SELF REPRESENTED NAME DATE

Revised 08/2016, CN 11380-English - How to File an Answer to a Foreclosure Complaint page 14 of 14

Effective 02/01/2010, CN 10169

*The Municipality Codes can be found at http://www.njcourts.gov/forms/11343_municodes.pdf

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