After you complete the form, sign it. Next, look at the section that says "Certificate of Service." The law requires you to "serve" a copy of the documents you will file, and certify to the court that you did so. Fill in the date that you will mail the copies to the "Plaintiff" and any other parties named on the foreclosure complaint, and sign your name on the line labeled “Defendant.”
Make enough copies of the form to keep one for yourself, give one to the court, and mail a copy to each party named in the "Certificate of Service."
Take the copies to the Clerk of Court's office where your foreclosure was filed against you. The clerk will stamp the original and copies, and keep the original for court records.
Finally, mail the copies to the parties named on the "Certificate of Service." Keep a copy of your answer for your records.