FILING AND SERVING YOUR ANSWER

Once you have completed and signed your Answer, make two copies of it.

Take the original and the two copies to the Clerk of Court. The clerk will timestamp all three copies, keep the original, and give you back the two copies.

You should keep one copy for your records, and mail the other copy to the lender’s attorney by certified mail with a return receipt (green card). Be sure to keep the certified mail receipt as proof that your Answer was mailed within the 30 day deadline. The green card will be proof that they received it.

When you get the green card back, you should write a brief letter to the court with the case name (Bank vs. You) and case number on it. The letter should state that you served the Answer on the lender’s attorney, and what day they signed the green card. You should attach the green card to the letter, make a copy, and take both to the Clerk of Court to file it. They will give back your copy. You should keep that for your records.