Contact the bar association in your county. They may be able to help you find free or reduced cost legal assistance.
This communication is intended as general information and not specific legal advice, and this communication does not create an attorney-client relationship. To get legal advice, consult an attorney in your local area or the area where the issue is located. It should not be relied upon as legal advice. The response is based on the limited facts provided, and without any independent investigation of the author. Given additional or different facts, the response would likely change. The attorney providing this response is licensed in Pennsylvania and New Jersey, and you should contact an attorney in your jurisdiction if it is outside those jurisdictions.
Answering a legal complaint without a lawyer could be disasterous for you and result in the waiver of defenses which you may not even know are available.
Contact your local legal aid organization or the PA Bar Association's Lawyer Referral Service. Free (pro bono) attorneys may be available to assist you. Bankruptcy may be an option...and some of the bankruptcy bar associations also coordinate free representation in certain situations.
This information is informational only, is not legal advice, and does not form an attorney-client relationship. Legal advice must be tailored to each individual situation, after learning all of the facts and specific details relating to a matter.
I assume you have received a "10 day notice" from the Lender's attorney. Are you at the end of that 10 days (when was the notice sent)? In my experience, you cannot file this response by yourself and get any good result. It does not sound like you have the money to even file Bankruptcy as has been suggested. If you cannot find a local Foreclosure Defense Attorney to help you, contact me before you file something that does no good and we can discuss your options.