If you have not already hired an attorney to assist you in this matter, you should do so. If you cannot afford an attorney, your local legal aid organization may be able to help you. Defending a foreclosure action can be a very complex process, and your best bet is to consult someone who has experience dealing with foreclosures.
If you have already hired an attorney, you should take this question to your attorney.
This answer is for informational purposes only. It does not constitute legal advice and does not create an attorney-client relationship. There may be relevant facts not included in the question that could change this answer. For specific advice, please consult with a licensed attorney in your jurisdiction.