Foreclosure Answer Program

A foreclosure is a lawsuit where a mortgage Lender or servicer is asking the court to let them sell your house at auction in order to pay off your debt. If that happens, you could lose your home. The Answer is your response to the Summons and Complaint and tells the court your defenses or reasons why the mortgage Lender must not win the case.   [Learn more about Foreclosure]

You can use this program if:

  • You have not answered already, and
  • the property is in New York State.

It is a good idea to talk to a lawyer before filing any legal papers. There is free help available to homeowners in New York State. Connect with a legal services provider at 855-HOME-456 (855-466-3456) or to get help. See Foreclosure Resources.

COVID-19 Financial Hardship:
If you have lost income or had increased expenses during the COVID‑19 pandemic, you may be able to "stay" (delay) the foreclosure case until January 15, 2022. Complete the Foreclosure Hardship Declaration form, make a copy for your records, and return it to the court where the foreclosure case has been filed.

The Foreclosure Hardship Declaration is also available in other languages.


Information Checklist

You will need the following documents with you when you use this program:

  • Summons
  • Complaint (usually stapled to the Summons)
  • All papers and letters from the mortgage Lender or servicer and the court



arrow  Foreclosure Answer Program

Note: You will be taken to our partner website called LawHelp Interactive.

You can "Sign Up" for an account or go directly to the program without signing up by clicking on the green "Get Started" button. Then check to agree to the Terms of Use and click on "Continue" to begin the program.


About DIY Forms

Who Can Use These Programs?
You can use DIY Forms if:

  • you're a court user and you don't have a lawyer;
  • you're a legal services provider;
  • you're a pro bono lawyer. Pro bono lawyers filing a DIY Form must submit thispro bono affirmation.
  • you're from a low-bono (reduced fee) program. You must submit a low-bono affirmation with the filing.

Commercial use is prohibited and no one may charge for using these programs. When you begin the program, you will be asked to accept these terms of use.

Computer Requirements
In order to use DIY Form programs, make sure you have the following:

  • Attached printer

Help Using DIY Forms
SeeĀ Frequently Asked Questions for help using DIY Form programs.

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