Here are two dozen foreclosure defenses available to those facing foreclosure.  These foreclosure defenses include substantive defenses, technical defenses, and those found in the Rules of Civil Procedure: Failure to Mitigate Damages, Failure to Join indispensable party, Unclean Hands, Prior Material Breach, Waiver, Unconscionability, Promissory Estoppel, Judicial Estoppel/Collateral estoppel, Recoupment/Setoff, Bankruptcy Discharge, Statute of Limitations, Part Payment, Fraud on Court, Lacks Standing, Failure to Attach Contract, FHA/VA Guidelines Mortgage, Insurance Policy, Loan Balance & Fees Wrong, Laches, Insufficient Process, PSA Violations, Negotiation Failure, Ohio Foreclosure Elements, Ohio Debt Collector Elements, Assignment Errors, Notarization Errors, Prior Breach, Failure to State Claim, Spousal Dower, Cognovit Defenses