You will also be charged a filing fee by the court before you will be allowed to actually file your answer with the courts clerk. Make sure you find out the exact amount since the clerk will reject your filing without payment. You must also be certain to properly serve all parties to the action with a copy of your answer.
The rules governing pleadings including service requirements and filing deadlines must be followed precisely. This is why it’s a very good idea to consider having an experienced foreclosure defense lawyer represent you.