The first thing that you need to do is to relax, don’t panic. Read the summons and petition very carefully. The summons will outline a specific time frame that you would need to file a response with the court. The time frame is usually either 20 or 30 days. The next thing that you can do is either file a motion to dismiss or an answer and affirmative defenses. There are some standard documents that you can probably obtain from the County Court but it’s probably in your best interests to seek out the help of an attorney to help you with the necessary defenses in order to defend against a foreclosure action.