Even to this day, with the foreclosure crisis still hitting homeowners hard in Long Island and elsewhere in New York, I consult with clients who never filed an Answer to their action and thus are technically in default.
In June 2019, the New York court system launched an online Do-It-Yourself program to generate an Answer form. Not perfect but here is the link:
https://www.nycourts.gov/CourtHelp/DIY/foreclosureAnswer.shtml
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