Vermont Verified Answer to Mortgage Foreclosure Complaint
VERMONT VERIFIED ANSWER TO MORTGAGE FORECLOSURE COMPLAINT
Before filing: Use the deadline in the summons and any court order. Answer each numbered paragraph of the complaint separately. State a defense only if its supporting facts are true. Sign the verification below. File this answer with the court, serve every other party or that party's attorney, and file a separate certificate of service. Vermont Judiciary provides Verified Answer – Foreclosure Case, form 100-00034, and civil forms and instructions.
STATE OF VERMONT — SUPERIOR COURT, CIVIL DIVISION
[COUNTY] Unit Case No.: [CASE NUMBER]
| Party | Role |
|---|---|
| [PLAINTIFF'S EXACT NAME], | Plaintiff |
| v. | |
| [DEFENDANT'S EXACT NAME], | Defendant |
Defendant's verified answer
I, [DEFENDANT'S FULL NAME], am a defendant in this foreclosure case. My responses to the complaint's numbered allegations follow. For each response, keep only the applicable choice and replace every bracketed field with the actual facts. Add a numbered response for every additional complaint paragraph.
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Complaint paragraph [NUMBER]: ☐ I admit it. ☐ I deny it because [FACTS]. ☐ I admit [EXACT PART] and deny [EXACT PART]. ☐ After reasonable inquiry, I lack enough knowledge or information to form a belief about its truth and therefore deny it.
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Complaint paragraph [NUMBER]: ☐ I admit it. ☐ I deny it because [FACTS]. ☐ I admit [EXACT PART] and deny [EXACT PART]. ☐ After reasonable inquiry, I lack enough knowledge or information to form a belief about its truth and therefore deny it.
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Complaint paragraph [NUMBER]: ☐ I admit it. ☐ I deny it because [FACTS]. ☐ I admit [EXACT PART] and deny [EXACT PART]. ☐ After reasonable inquiry, I lack enough knowledge or information to form a belief about its truth and therefore deny it.
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Complaint paragraph [NUMBER]: ☐ I admit it. ☐ I deny it because [FACTS]. ☐ I admit [EXACT PART] and deny [EXACT PART]. ☐ After reasonable inquiry, I lack enough knowledge or information to form a belief about its truth and therefore deny it.
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Additional complaint paragraphs: [INSERT ONE NUMBERED RESPONSE FOR EACH REMAINING PARAGRAPH. ATTACH A NUMBERED PAGE IF NEEDED.]
I deny any allegation that I have not expressly admitted, to the extent a response is required and consistent with the specific responses above.
Defenses supported by facts
I assert only the following defenses, on the facts stated below. Delete unused lines. For each defense, identify the relevant note, mortgage, payment record, notice, assignment, or other document, if any. Do not list a legal label without supporting facts.
- Defense: [SPECIFIC DEFENSE AND FACTUAL BASIS]. Supporting document or witness: [IDENTIFY].
- Defense: [SPECIFIC DEFENSE AND FACTUAL BASIS]. Supporting document or witness: [IDENTIFY].
- Defense: [SPECIFIC DEFENSE AND FACTUAL BASIS]. Supporting document or witness: [IDENTIFY].
Requested disposition: I ask the Court to deny foreclosure or grant other relief to the extent supported by the responses and defenses proved in this case: [SPECIFY RELIEF].
Counterclaim: ☐ I assert no counterclaim in this answer. ☐ I will file any counterclaim separately with its required pleading and fee or fee-waiver request, as applicable.
Verification and signature
I declare that my responses and factual statements in this answer are true and accurate to the best of my knowledge and belief. I understand that a false statement may subject me to penalties for perjury or other court sanctions.
Date: [__/__/____] Signature: [SIGNATURE]
Printed name: [FULL NAME]
Mailing address: [STREET, CITY, STATE, ZIP]
Email: [EMAIL] Telephone: [PHONE]
Address for future case papers: [ADDRESS, IF DIFFERENT]
Separate certificate of service: Complete, serve, and file the Judiciary's Certificate of Service, form 600-00264, identifying each recipient, delivery method, and date. Keep a copy of the filed answer, attachments, and service record.
Sources and references
About this template
- Last updated
- November 2, 2026
- Citations checked
- November 2, 2026
- Jurisdiction
- Vermont
- Category
- Real Estate
Legal authority
- 12 V.S.A. § 4932(a)
- V.R.C.P. 80.1(b)(3), (c)
Real estate documents transfer ownership, define who can use a property, and record agreements between buyers, sellers, landlords, and tenants. Deeds, purchase agreements, leases, and easements have to be drafted to meet state recording requirements, and mistakes show up at closing or years later in title disputes. Good real estate paperwork moves transactions forward quickly and avoids the kind of problems that only surface when it is time to sell or refinance.
Not legal advice
This template is provided for informational purposes. We recommend having an attorney review any legal document before signing, especially for high-value or complex matters.
Checked against the law it cites
A reviewer verified this template's legal citations against the official source on November 2, 2026.
12 V.S.A. § 4932(a) (checked November 2, 2026): "shall be brought in the Civil Division of the Superior Court for the county where the land lies"
V.R.C.P. 80.1(c) (checked November 2, 2026): "a party defendant files a verified answer or answer supported by affidavits, disclosing facts alleged to constitute a defense"
V.R.C.P. 80.1(b)(3); Judiciary form 100-00034 (checked November 2, 2026): "the answer form served be a verified answer form conforming substantially to the form approved by the Court Administrator"
Vermont Judiciary form 100-00034 (07/2024) (checked November 2, 2026): "For each paragraph, state whether you agree, disagree, or don’t know"
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