A New Jersey appeals court has ruled that a Burlington County woman in danger of losing her home to foreclosure can challenge the action by claiming that she took out a loan for home improvement work that was never done.

In a case that began nearly nine years ago, a three-judge Appellate Division panel, in an unpublished decision in Emigrant Mortgage v. Costa released on Monday, overturned a Burlington County Superior Court judge’s decision to dismiss Costa’s affirmative defenses against Emigrant Mortgage Co.’s foreclosure efforts.