--- title: Using Affirmative Defenses When Answering A Foreclosure Complaint description: 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 and raise your own affirmative defenses, which you should because they are a vital part of a good foreclosure defense strategy. image: https://blog.amerihopealliance.com/hubfs/images/Affirmative-517166-edited.jpg --- [![Foreclosure and Loan Modification Lawyers](https://blog.amerihopealliance.com/hs-fs/images/forclosure-attorneys.png?width=360&height=117&name=forclosure-attorneys.png "Foreclosure and Loan Modification Lawyers")](https://www.amerihopealliance.com/) - Practice Areas - [Foreclosure Defense](https://amerihopealliance.com/foreclosure-defense) - [Claim Surplus Funds](https://amerihopealliance.com/surplus-funds) - [Loan Modification](https://amerihopealliance.com/loan-modification) - [Tax Resolution & Tax Preparation](https://amerihopealliance.com/en/amerihope-alliance-tax-resolution) - [Bankruptcy](https://amerihopealliance.com/en/bankruptcy) - [Probate](https://amerihopealliance.com/en/probate) - [About Us](https://amerihopealliance.com/about_us) - [Case Results](https://legal.amerihopealliance.com/case-results) - [Client Login](https://amerihopealliance.com/client_login) - [FAQ](https://amerihopealliance.com/frequently-asked-questions) - [Contact Us](https://amerihopealliance.com/contact_us) - [Blog](https://blog.amerihopealliance.com/blog) - [Foreclosure and Loan Modification Blog](https://blog.amerihopealliance.com/blog) - [Personal Injury Blog](https://blog.amerihopealliance.com/personal-injury) - [Referrals](https://amerihopealliance.com/surplus-case-referral) ph: (877) 882-5338 # Foreclosure and Loan Modification Blog - [Blog](https://blog.amerihopealliance.com/blog) - Foreclosure and Loan Modification Blog ## Using Affirmative Defenses When Answering A Foreclosure Complaint \[fa icon="clock-o"\] Tuesday, December 3, 2019 \[fa icon="user"\] [Maxwell Swinney](https://blog.amerihopealliance.com/blog/author/maxwell-swinney) \[fa icon="folder-open'\] [foreclosure](https://blog.amerihopealliance.com/blog/topic/foreclosure), [summons and complaint](https://blog.amerihopealliance.com/blog/topic/summons-and-complaint) ![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 and raise your own affirmative defenses, which you should because they are a vital part of a good foreclosure defense strategy.](https://blog.amerihopealliance.com/hs-fs/hubfs/images/Affirmative-517166-edited.jpg?width=500&name=Affirmative-517166-edited.jpg)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. There are **many different affirmative defenses** that can be used when responding to a foreclosure complaint. If you fall into foreclosure, you can write your own response to the complaint, but **it would be best to have an experienced attorney do it** as they will know which affirmative defenses are relevant for your case.  **Some of the most common affirmative defenses used in foreclosure cases are:** ### Lack of standing ![Your lender (or whomever owns your mortgage loan) is required to demonstrate their standing to foreclose on you at the time they file the action.](https://blog.amerihopealliance.com/hs-fs/hubfs/images/Memes/EltonStanding.jpg?width=400&name=EltonStanding.jpg)The plaintiff (bank) **must prove that they are the ones legally entitled to foreclose on you**. That, in legal terminology, is called [standing](https://blog.amerihopealliance.com/blog/does-your-lender-have-the-standing-to-foreclose-on-you). The bank's **errors, improper or incomplete documentation, or fraud** may cause them to have a hard time proving their standing. And most states require the plaintiff to own and hold the mortgage and note at the time they sue. If their documents don't show that they did, they can't take your property. Our firm routinely includes a lack of standing affirmative defense when answering foreclosure complaints. Here is an excerpt of us raising it for a Florida client: > ***"SECOND AFFIRMATIVE DEFENSE*** > > > ***Standing. Plaintiff lacks standing to prosecute the Complaint. At the time Plaintiff filed the Complaint, Plaintiff was not entitled to enforce the Mortgage and Note."*** ### Failure of Condition Precedent > If the plaintiff **fails to comply with the requirements in the mortgage contract**, such as to serve the defendant with a [notice of default](https://blog.amerihopealliance.com/blog/what-is-a-notice-of-default) or intent to [accelerate](https://blog.amerihopealliance.com/blog/what-is-a-notice-of-acceleration) as stated in the mortgage contract, they may have to start the process over. ### Unfair Lending Practices If your lender deceived you, acted unfairly, or failed to disclose required information, you may be able to challenge foreclosure because of it. The federal **Truth In Lending Act (TILA)** requires lenders to disclose the **annual percentage rate, payment schedule, and other information** about the loan. Lenders who do not give borrowers the correct information TILA requires have broken this law. ### Not the real party in interest When a mortgage loan is made, there is a **promissory note** that is the borrower's responsibility to pay back, and the security interest that the lender has in the property in the form of a **mortgage or deed of trust**. Whoever is assigned the note and mortgage is the one with the right to foreclose. Problems arise when the mortgage and note are assigned to servicers, trustees, or holders and the right documentation or original note can't be found. If the ownership of your mortgage isn't clear, **you may be able delay foreclosure**. ### Unclean hands ![An unclean hands defense could be used in a foreclosure case if it could be proven that the plaintiff (the bank) caused the default and is therefore not entitled to an equitable remedy.](https://blog.amerihopealliance.com/hs-fs/hubfs/images/DirtyHands.jpg?width=350&name=DirtyHands.jpg)[Unclean hands](https://blog.amerihopealliance.com/blog/is-unclean-hands-an-effective-defense-against-foreclosure) is when ***“the defendant argues that the plaintiff is not entitled to obtain an equitable remedy because the plaintiff is acting unethically or has acted in bad faith with respect to the subject of the complaint —that is, with “unclean hands”***. The defendant has the burden of proof to show the plaintiff is not acting in good faith. The doctrine is often stated as ***“those seeking equity must do equity”*** or ***“equity must come with clean hands”.”*** An unclean hands defense could be used in a foreclosure case if it could be proven that the plaintiff (the bank) caused the default and is therefore not entitled to an equitable remedy. An example of unclean hands could be if your loan servicer doesn't properly apply your mortgage payments to your loan, and you fall into foreclosure because of it. They would have unclean hands since it was their fault you are in foreclosure. Other affirmative defenses include: **Unfair lending practices, failure to state a cause of action, unconscionable terms, foreclosing on an active service member, failure to properly invoke the court's subject matter jurisdiction, verification of complaint, statutes of limitations, contributory negligence, assumption of risk, and failure to mitigate damages**. You have rights under the law that can help you fight foreclosure, but they won't help you if you don't know what they are and how to use them. Again, it would be best to have [an experienced attorney](https://blog.amerihopealliance.com/blog/how-to-choose-the-best-foreclosure-defense-attorney-for-you) help you respond to a foreclosure complaint so you **use the right affirmative defenses**. And keep in mind that affirmative defenses probably aren't going to keep you out of foreclosure forever. For that, you'll need to look at a permanent solution such as a [loan modification](https://blog.amerihopealliance.com/blog/loan-modification-vs-refinance-whats-the-difference).     [![New Call-to-action](https://no-cache.hubspot.com/cta/default/161513/f2d07c0a-dd5a-4d2b-893f-49eb52ea6cdb.png)](https://cta-redirect.hubspot.com/cta/redirect/161513/f2d07c0a-dd5a-4d2b-893f-49eb52ea6cdb) - [Tweet](https://twitter.com/share) ![Maxwell Swinney](https://blog.amerihopealliance.com/hs-fs/hub/161513/file-397888097.jpg?width=100&height=100&name=file-397888097.jpg) #### Written by [Maxwell Swinney](https://blog.amerihopealliance.com/blog/author/maxwell-swinney) ### About this Blog Amerihope Alliance Legal Services is a leading loan modification and foreclosure defense law firm with attorneys licensed in 5 states. We have helped over 7,000 homeowners fight back and keep their homes. [![Click to Read Our Super Loan Mod Success Stories](https://no-cache.hubspot.com/cta/default/161513/ae6b7cd7-c502-4ee5-a643-cd8deff48953.png)](https://cta-redirect.hubspot.com/cta/redirect/161513/ae6b7cd7-c502-4ee5-a643-cd8deff48953) Our goal is to provide valuable information to help homeowners who are trying to obtain a loan modification or to stop foreclosure. You may schedule a [free consultation](https://www.amerihopealliance.com/free_consultation) at any time. ### Subscribe to Email Updates - Popular - Recent - Topics ![feature image](https://blog.amerihopealliance.com/hubfs/images/Affirmative-517166-edited.jpg) [Using Affirmative Defenses When Answering A Foreclosure Complaint](https://blog.amerihopealliance.com/blog/using-affirmative-defenses-when-answering-a-foreclosure-complaint) Published December 3, 2019 ![feature image](https://blog.amerihopealliance.com/hubfs/images/auction2.jpg) [What If Your Home Doesn't Sell At Foreclosure Auction?](https://blog.amerihopealliance.com/blog/what-if-your-home-doesnt-sell-at-auction) Published October 13, 2018 ![feature image](https://blog.amerihopealliance.com/hs-fs/file-371665267-jpg/images/us-bank-logo-slim.jpg) [How Our Attorneys Beat U.S. Bank, A True Foreclosure Stooge](https://blog.amerihopealliance.com/blog/how-our-attorneys-defeated-us-bank-stooge-foreclosure) Published November 6, 2013 ![feature image](https://blog.amerihopealliance.com/hubfs/images/Danger-124412-edited.jpg) [Avoid Inheriting A Timeshare By Filing "Disclaimer of Interest"](https://blog.amerihopealliance.com/blog/avoid-inheriting-a-timeshare-by-filing-disclaimer-of-interest) Published June 18, 2018 ![feature image](https://blog.amerihopealliance.com/hubfs/images/padlocked-home.jpg) [What Do You Do If Your Bank Changes the Locks on Your House?](https://blog.amerihopealliance.com/blog/what-do-you-do-if-the-bank-changes-the-locks-on-your-house) Published October 19, 2016 ### Lists by Topic - 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