Affirmative defenses in a foreclosure case are facts that, if proven, defeat the lender's claim to foreclose, even if the borrower admits to not paying the mortgage. MFI-Miami highlights six such defenses, including Lack of Standing, Failure of Condition Precedent, and Unfair Lending Practices. These defenses challenge the lender's legal right to proceed, for instance, if they cannot prove ownership of the mortgage and note or failed to comply with contractual requirements like providing a notice of default. Utilizing these defenses can effectively stop foreclosures in judicial proceedings.