Wyoming Judicial Mortgage Foreclosure Answer
WYOMING JUDICIAL MORTGAGE FORECLOSURE ANSWER
Before you use this: Use this answer only if you were served with a court complaint seeking a mortgage foreclosure decree. Wyoming also permits foreclosure by advertisement for a mortgage with a power of sale; an answer to a lawsuit is not a response to a sale notice alone. Compare Wyo. Stat. §§ 1-18-101(a), 34-4-102(a). If you received only a sale notice, identify the actual proceeding before using this document.
Under Wyo. R. Civ. P. 12(a)(1)(A), an answer normally must be served within 20 days after service of the summons and complaint in Wyoming, or 30 days if service was made outside Wyoming. Publication, waived service, a Rule 12 motion, a statute, or a court order can change the applicable period. Read the summons and calculate the deadline for this case. Rule 5(d) requires filing the served answer with a certificate of service within a reasonable time after service. Confirm the court's current filing channel before submitting it.
IN THE [DISTRICT COURT NAMED ON SUMMONS], [COUNTY] COUNTY, WYOMING
| Party | Role |
|---|---|
| [PLAINTIFF NAME], | Plaintiff |
| v. | |
| [DEFENDANT NAME], | Defendant |
Case No.: [CASE NUMBER]
Defendant's answer to complaint for mortgage foreclosure
Defendant [NAME] answers the complaint as follows. Use the complaint's paragraph numbers. Address every allegation, including an allegation that incorporates an exhibit. Admit what is true; deny what is disputed; if you lack information sufficient to form a belief after reasonable inquiry, say so. For a partly true allegation, identify the admitted part and deny the rest. Delete unused rows and add rows as needed.
| Complaint paragraph | Response | Facts clarifying a partial response, if needed |
|---|---|---|
| [1] | [ADMIT / DENY / ADMIT IN PART / LACK INFORMATION SUFFICIENT TO FORM A BELIEF] | [FACTS OR NONE] |
| [2] | [RESPONSE] | [FACTS OR NONE] |
| [3] | [RESPONSE] | [FACTS OR NONE] |
| [ADD EACH REMAINING PARAGRAPH] | [RESPONSE] | [FACTS OR NONE] |
Separately stated defenses
Keep only defenses supported by the transaction records and facts. State each defense in its own numbered paragraph. A bracketed prompt alone does not assert a defense.
-
Payment or credit. Plaintiff's balance omits or misapplies [PAYMENT OR CREDIT, DATE, AMOUNT, AND RECORD]. The balance is disputed by [AMOUNT OR CALCULATION].
-
Condition or notice under the loan papers. The applicable [NOTE OR MORTGAGE PROVISION] calls for [IDENTIFY CONDITION OR NOTICE]. Plaintiff's assertion that it was satisfied is disputed because [FACTS, DATES, AND RECORDS].
-
Claimed interest in the note or mortgage. Defendant disputes [IDENTIFY THE PARTICULAR TRANSFER OR CLAIMED INTEREST] because [FACTS AND RECORDS].
-
Other affirmative defense, if supported. [NAME THE DEFENSE AND STATE THE FACTS SUPPORTING IT; OTHERWISE DELETE THIS PARAGRAPH].
Request for relief
Defendant asks the court to deny foreclosure to the extent Plaintiff has not established its claim, account for proven payments and credits, consider the defenses stated above, and grant relief the facts and law allow.
Dated: [__/__/____]
Signature: [SIGNATURE]
Printed name and role: [NAME; DEFENDANT OR ATTORNEY]
Mailing address: [ADDRESS]
Email: [EMAIL]
Telephone: [NUMBER]
Attorney number, if applicable: [NUMBER]
Certificate of service
I certify that on [__/__/____], I served this answer on [PLAINTIFF'S ATTORNEY, OR PLAINTIFF IF UNREPRESENTED] by [ACTUAL METHOD PERMITTED BY RULE 5 OR COURT ORDER] at [ADDRESS OR OTHER SERVICE DESTINATION]. If service was by mail, record any simultaneous electronic sending required by Rule 5(b)(2)(D) or the applicable court order.
Signature of person who served: [SIGNATURE]
Official sources
About this template
- Last updated
- November 1, 2026
- Citations checked
- November 1, 2026
- Jurisdiction
- Wyoming
- Category
- Real Estate
Legal authority
- Wyo. Stat. § 1-18-101(a)
- Wyo. Stat. § 34-4-102(a)
- Wyo. R. Civ. P. 5(b), (d)
- Wyo. R. Civ. P. 8(b), (c)
- Wyo. R. Civ. P. 10(a), (b)
- Wyo. R. Civ. P. 11(a), (b)
- Wyo. R. Civ. P. 12(a)(1)(A)
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 1, 2026.
Wyo. Stat. § 1-18-101(a) (checked November 1, 2026): "No lands or tenements shall be sold by virtue of any execution or decree of foreclosure unless:"
Wyo. Stat. § 34-4-102(a) (checked November 1, 2026): "Every mortgage of real estate, containing therein a power of sale upon default being made in any condition thereof, may be foreclosed by advertisement"
Wyo. R. Civ. P. 5(b), (d) (checked November 1, 2026): "If a party is represented by an attorney, service under this rule must be made on the attorney unless the court orders service on the party."
Wyo. R. Civ. P. 8(b), (c) (checked November 1, 2026): "A party that intends in good faith to deny only part of an allegation must admit the part that is true and deny the rest."
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