The first thing I would suggest you do is consult with an experienced foreclosure defense attorney who will be in a better position to view the facts of your case. More generally, the amount alleged in the complaint can be ascertained utilizing the discovery process, including a request to see the plaintiff's billing records as well as interrogatories directed to these records, which should bring to light why the plaintiff claims you owe what is owed. I would also suggest you attempt an accounting of payments you believe you made to the plaintiff and attempt to reconcile it with the amounts alleged in the complaint as well as the amounts the shown on the plaintiff's billing records.
Michael P. Fuino, Esq.
Matthew D. Weidner, P.A.
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You may want to contact the plaintiff's attorney and let him/her know that your intention is to settle the claim and not litigate. The attorney may provide you with an accounting and hopefully you can get it resolved without litigation. If the plaintiff's attorney is not reasonable or doesn't want to speak to you until after you've responded to the complaint, I recommend that you retain an attorney to defend your interests. Many attorneys on here, including myself, offer free initial consultations.
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