When your bank serves you with a foreclosure complaint for not paying your mortgage, you have a right to answer it and deny its charges, which you should.
You should also include something called affirmative defenses in your response to the complaint because they are a vital part of a good foreclosure defense strategy.
What Is An Affirmative Defense?
An affirmative defense in a civil lawsuit is a fact that defeats or mitigates the consequences of a charge. For example, in a foreclosure complaint the plaintiff will charge that you haven't been paying your mortgage and they're entitled to foreclose because of that. An affirmative defense wouldn't deny that (though the answer probably would), but it would basically say that it doesn't matter for some reason, like the plaintiff doesn't have the right to foreclose.