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<!DOCTYPE html>
<html class="no-js">
<head>
<meta charset="utf-8">
<meta http-equiv="X-UA-Compatible" content="IE=edge">
<title>Answer #4</title>
<link href="icons/ejc.ico" rel="icon">
<meta name="description" content="">
<meta name="viewport" content="width=device-width, initial-scale=1">
<link rel="stylesheet" href="css/foundation.css" />
<link rel="stylesheet" href="css/app.css" />
<link rel="shortcut icon" href="img/ejc.ico" >
</head>
<body>
<!-- TOP BAR NAV -->
<div class="show-for-large-up">
<div class="contain-to-grid sticky" data-options="sticky_on: large">
<div class="show-for-large-up">
<div class="contain-to-grid sticky" data-options="sticky_on: large">
<nav class="top-bar" data-topbar>
<section class="top-bar-section">
<ul>
<li><a href="index.html">Empire Justice Center</a></li>
</ul>
<ul>
<li class="has-dropdown">
<a href="timeline1.html">Timeline</a>
<ul class="dropdown">
<li><a href="Stage1.html">Stage 1</a></li>
<li><a href="Stage2.html">Stage 2</a></li>
<li><a href="Stage3.html">Stage 3</a></li>
<li><a href="Stage4.html">Stage 4</a></li>
<li><a href="Stage5.html">Stage 5</a></li>
<li><a href="Stage6.html">Stage 6</a></li>
<li><a href="Stage7a.html">Stage 7a</a></li>
<li><a href="Stage7b.html">Stage 7b</a></li>
<li><a href="Stage8.html">Stage 8</a></li>
</ul>
</li>
</ul>
<ul>
<li class="has-dropdown">
<a href="form.html">Important Forms</a>
<ul class="dropdown">
<li><a href="notice_appearance_page1.html">Notice of Appearance</a></li>
<li><a href="answer_page1.html">Answer a Complaint</a></li>
</ul>
</li>
</ul>
<ul>
<li><a href="resources.html">Glossary</a></li>
</ul>
<ul>
<li><a href="about.html">About Us</a></li>
</ul>
<ul>
<li><a href="housing.html">Find Housing Counselors</a></li>
</ul>
</section>
</nav>
</div>
</div>
</div>
</div>
<!--END TOP BAR NAV-->
<body>
<div class="body-wrapper">
<div class="row">
<div class="large-12 columns">
<div class="panel">
<h1 class="text-center">Filling out an Answer</h1>
</div>
</div>
</div>
<div class="row">
<!-- Nav Sidebar -->
<!-- This is source ordered to be pulled to the left on larger screens -->
<div class="large-3 columns show-for-large-up">
<div class="panel">
<div class="section-container vertical-nav" data-section data-options="deep_linking: false; one_up: true">
<section class="section">
<h5 class="text-center"><a href="answer_page1.html#1">Step 1: <br>
<font size="1.9">FILL OUT THE “CAPTION” OF THE ANSWER</font> </a></h5>
</section>
<hr>
<section class="section">
<h5 class="text-center"><a href="answer_page1.html#2">Step 2: <br>
<font size="1.9">FILL OUT THE FIRST PAGE OF THE NOTICE OF APPEARANCE</font> </a></h5>
</section>
<hr>
<section class="section">
<h5 class="text-center"><a href="answer_page1.html#3">Step 3: <br>
<font size="1.9">CHECK OFF AND EXPLAIN YOUR DEFENSES</font></a></h5>
</section>
<hr>
<section class="section">
<h5 class="text-center"><a href="answer_page4.html#4">Step 4: <br>
<font size="1.9">ADD ANY ADDITIONAL INFORMATION</font> </a></h5>
</section>
<hr>
<section class="section">
<h5 class="text-center"><a href="answer_page5.html#5">Step 5: <br>
<font size="1.9">FILL IN THE BOTTOM OF THE 4TH PAGE</font> </a></h5>
</section>
<hr>
<section class="section">
<h5 class="text-center"><a href="answer_page5.html#6">Step 6: <br>
<font size="1.9">FILL OUT AND SIGN THE VERIFICATION SECTION</font> </a></h5>
</section>
<hr>
<section class="section">
<h5 class="text-center"><a href="answer_page5.html#7">Step 7: <br>
<font size="1.9">MAKE 2 COPIES OF THE VERIFIED ANSWER</font> </a></h5>
</section>
<hr>
<section class="section">
<h5 class="text-center"><a href="answer_page5.html#8">Step 8: <br>
<font size="1.9">“SERVE” THE PLAINTIFF’S ATTORNEY</font> </a></h5>
</section>
<hr>
<section class="section">
<h5 class="text-center"><a href="answer_page5.html#9">Step 9: <br>
<font size="1.9">FILL OUT THE AFFIDAVIT OF SERVICE</font> </a></h5>
</section>
<hr>
<section class="section">
<h5 class="text-center"><a href="answer_page5.html#10">Step 10: <br>
<font size="1.9">FILE THE VERIFIED ANSWER AND AFFIDAVIT OF SERVICE AT THE COUNTY CLERK</font> </a></h5>
</section>
<hr>
<section class="section">
<h5 class="text-center"><a href="answer_page5.html#11">Step 11: <br>
<font size="1.9">APPEAR AT YOUR SETTLEMENT CONFERENCE</font> </a></h5>
</section>
</div>
</div>
</div>
<div class="large-9 columns">
<div class="large-7 medium-6 columns text-justify">
<p class="panel"><strong>Other Defenses or Counterclaims</strong></p>
<p>If you have any other claims you would like to tell the court about, list them all here. Be as specific as possible and add sheets of paper if necessary.</p>
<p class="small-only-text-center"><strong>STEP 4: ADD ANY ADDITIONAL INFORMATION TO THE</strong>
<p class="panel"><strong>Other important facts concerning my mortage or home</strong></p>
</div>
<div class="large-5 medium-6 columns">
<img src="http://i.cubeupload.com/KnMWwE.png"/>
</div>
<div class="columns text-justify">
<p>This can include facts surrounding any of the defenses you have already checked off or any other facts that you think the Court should know about. This is where you should tell your story. Below are some possible ideas that could apply to you. Always be as specific as possible and attach additional pages if needed!</p>
<ol>
<li>You were pressured to sign the mortgage or home purchase documents.</li>
<li>You were discouraged from using your own attorney or appraiser or other independent advisor.</li>
<li>You did not receive a financial benefit from your mortgage.</li>
<li>The interest rate is extremely high, or higher than you qualified for given your credit history at the time you obtained your mortgage.</li>
<li>You were charged high closing costs or fees.</li>
<li>Your loan application was falsified (e.g. your income was misstated on your application).</li>
<li>You were told that utilities, medical expenses, or other bills would be paid off by your mortgage, but they weren’t. </li>
<li>You were told that your house was worth more than its actual value.</li>
<li>Your home was in poor condition when you purchased it and you were promised repairs that were never made.</li>
<li>You were falsely told that you could earn rental income from your home to help pay the mortgage.</li>
<li>You believe that you were targeted for an unfair or abusive mortgage loan based on your race, national origin, sex, mental or physical disability, age, alienage/ citizenship status, or other legally protected characteristic.</li>
</ol>
</div>
</div>
<div class="left">
<a class="button radius" href="answer_page3.html">Previous Steps</a>
</div>
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<a class="button radius" href="answer_page5.html">Next Page</a>
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