of the debt, which the original creditor or its assignee accepted. I am Being Sued for a Debt: What Should I Put in My Answer? Keep a copy of your answer for your records. 11.___ This debt is over six years old, and Plaintiff cannot sue to collect it. Examples of Answering Summons/Complaint Credit Card Debt Lawsuit It is very important that you answer the plaintiff’s complaint within the amount of time that is given by the court, or the plaintiff will receive a default judgment against you. Talk to a lawyer if you do not know when your deadline is. Check if the Plaintiff said if you pay an amount they would forgive the whole debt, and you paid that amount. Ask a lawyer which affirmative defenses apply to your case. This is not a substitute for a lawyer’s representation. How Do I Answer a Lawsuit for Debt Collection? Introduction This publication explains law in Codes, Statutes and court cases. To do this without an attorney, you'll need to do some research. That is where you will find the information summarized. I HAVE RECEIVED A SUMMONS AND COMPLAINT THAT SAYS I HAVE TO FILE AN ANSWER.

Introduction Use this if you have been served with a lawsuit in a debt collection case and want to keep a court from entering a default judgment against you. If you have been served, you have a limited time to file an answer. An Answer is a response by the Defendant (the person being sued) to the allegations made in the Complaint by the Plaintiff (the party who filed the lawsuit) that the Defendant contests, and affirmative defenses … How Do I Answer a Lawsuit for Debt Collection?

The answer is a denial of the lawsuit, often called a “General Denial” The most common mistakes consumers make is by admitting just about everything the answer. WHAT DOES AN ANSWER CONSIST OF? If you do not file an answer by the deadline, the Plaintiff can ask the court to enter a default judgment against you. Answering a Lawsuit in Texas is relatively simple. The answer is a formal document that has to be drawn up according to state law. We have included some citations plaintiff will get a judgment for if you want to do some research. If you’ve been served with a debt collection lawsuit, the worst thing to do is stick your head in the sand and fail to file an answer to the complaint.This is EXACTLY what debt collectors who buy up old debt expect you to do, and their entire business model relies on it.

Note: An affirmative defense is an independent reason that the Plaintiff should not win the lawsuit.