What is an effective or possible defense for a motion for relief from automatic stay?

Usually just done for nonpayment of plan to repay loan, but that should be a chapter 13 not a chapter 7. You should have filed a 13 with a plan to repay back mortgage p ayments over 60 months.

Your question is too general. Responses to motions for relief are all fact-specific.

Honestly, there is no good defense. If you haven't been making your payments, you haven't been making your payments and the lender has the right to have the stay lifted. There are some strategies though. First, if you are trying to get a modification and you have submitted the application and it is under review, then you don't need the stay in your bankruptcy. Let them lift it. The other is to go to court and request that the Judge let you make adequate protection payments of an affordable amount, until your discharge date, when the stay will be lifted by operation of law. Other than that, you really don't have a good defense based on your posting.

Generally speaking there are no defenses provided what the motion says is true (IE that you are behind and not planning/able to keep house).