How to Answer a Summons for Debt Collection in Kentucky (2025 Guide)

Fact-checked by George Simons, JD/MBA

Receiving a Kentucky Civil Summons for a debt is a bummer, but you're not alone. According to the Urban Institute, 32% of Kentuckians have debt in collections, which is well above the national average of 26%.

If you feel like chucking your Kentucky summons in the trash, hold up a minute. The best way to give yourself a fighting chance in court isn't to ignore your Summons but to take action and respond. Even though you have debt, you still have rights under Kentucky debt collection laws, and you could see many positive outcomes in court, including not having to pay your debt at all.

Want to make the response process a little easier? SoloSuit can help you create an Answer to your Kentucky Summons and Complaint, have it reviewed by an attorney, and file it.

The best part? It takes just 15 minutes.

Before we get into the details of answering your Summons and Complaint, let's make sure you fully understand a Civil Summons in KY and how it works.

Table of Contents

• What is a Civil Summons in KY?
• Deadline
• Forms
• Fees
• Follow these steps to respond to a debt collection case in Kentucky
• Settle debt in Kentucky
• Statute of limitations on debt in Kentucky
• Kentucky debt collection laws
• Kentucky debt relief
• Kentucky student loan forgiveness
• Check the status of your Kentucky court case
• Stop wage garnishment in Kentucky
• Kentucky legal aid
• Kentucky courts

What is a Civil Summons in KY?

A civil case is a type of legal case that handles legal actions between private individuals, whereas criminal cases handle cases in which a crime has been committed. Therefore, all debt lawsuits are considered civil cases because no crime has been committed.

Kentucky Civil Summons is an official form used to notify a party that legal action has been taken against them. This document is usually accompanied by a Complaint document, which lists the specific claims being made in the lawsuit.

The Summons form includes information such as:

• The plaintiff's name
• The defendant's name
• The title and case file number
• The court to hear the case
• The attorneys' names
• Instructions on how to respond to the Complaint

You're probably wondering, “What is a plaintiff? What is a defendant?” Well, the plaintiff is the person or company who initiated the lawsuit and is suing someone else. The defendant, on the other hand, is the person being sued. So, if you are being sued for a debt you owe, you are the defendant in your case.

Both the plaintiff and defendant must follow the Kentucky civil rules for their case to be valid. For example, the plaintiff must file paperwork indicating they served the defendant with the suit, while the defendant must respond to the suit within the deadline determined by the state.

So, how long do you have to answer your Civil Summons in KY, and how do you go about it? Below, we break it down for you.

Respond to a Kentucky Summons for debt collection before the deadline

In Kentucky, you have 20 days after receiving a Summons and Complaint to file an Answer under Kentucky Rules of Civil Procedure 12.01. More specifically, the law states:

“A defendant shall serve his/her answer within 20 days after service of the summons upon him/her.”

Learning that you are being sued can be intimidating, and many people react by wanting to bury their heads in the sand. However, once you have been served a Summons or Complaint, you have no choice but to address the issue.

If you aren't sure whether you've received a Kentucky Civil Summons, here's what it could look like.

We can't stress enough how important it is to respond before the deadline. If you miss it, you automatically lose your case. After 20 days, the creditor or debt collector can request a default judgment against you, and the court will most likely grant it. With a default judgment, they can garnish your wages or put liens on your properties.

Even if there is an error in your debt collection Summons and Complaint, don't ignore it. Regardless of the reason you failed to meet the deadline, you'll have to pay the debt stated in the Complaint if you don't file an Answer. When you respond within the 20-day deadline, there's a great chance you could win your case.

Let's take a look at an example.

Use a Kentucky Answer to Summons form

The fastest way to create an Answer to a Summons and Complaint is to use SoloSuit's Answer form. To fill out the form, you just respond to a series of questions about your case, and you'll have a completed Answer in under 15 minutes.

If you'd rather create an Answer on your own, here is a general Kentucky Answer form you can use to respond. The basic format of Kentucky's form is pretty similar to SoloSuit, but you just have to fill in all the blanks on your own instead. You can always fill this form out by yourself, but using SoloSuit's form makes it easier to respond with the proper legal language and wording.

Kentucky does not charge a fee to file an Answer

Woohoo! There are no fees to file an Answer to a Complaint against you in the state of Kentucky. However, if you plan to file other types of documents into a lawsuit, there may be filing fees involved.

Click here to learn more about Kentucky's civil filing fees.

Follow these steps to respond to a debt collection case in Kentucky

When a creditor files a debt collection lawsuit against you in Kentucky, they will serve you with a Summons and Complaint. It may arrive in person or by mail, delivered by a sheriff, constable, or court-appointed special bailiff.

Before you start drafting your Answer, go through your Kentucky Summons and Complaint to ensure you have the information you'll need. These documents should contain the following, which you will need to draft your Answer document:

• Defendant's first and last name (that's you)
• Plaintiff's name (the creditor or debt collector suing you)
• Plaintiff's attorney information
• Physical address of both parties
• Court information, including which division the case is in and the court's address
• Case number
• Debt amount

Make sure to include all this information at the top of your Answer document. This is known as “styling,” and it is standard legal practice for this document. Double-check that you accurately included all the information. Then you can start working on your Answer.

Once you've reviewed the Summons and Complaint, follow these three steps to respond to the debt collection lawsuit:

1. Answer each allegation mentioned in the Complaint.
2. Include affirmative defenses.
3. File the Answer with the court and send a copy to the plaintiff's attorney.

We know there's a lot of legal jargon in here. Don't worry. We'll explain the process in detail below. Don't like reading? Check out this video instead:

If you're concerned about completing the process correctly, that's totally normal. SoloSuit is here to make responding to a debt lawsuit easier and to help you get it right.

1. Answer each allegation mentioned in the Complaint

In case you're feeling overwhelmed by the legal terms, an Answer is simply a response to the allegations listed in the Complaint document. When you look at the Complaint, you can identify the allegations because they show up as a list of numbered paragraphs.

The first section of your Answer document should include a list of responses that correspond with the numbered allegations from the Complaint. Generally, you need to enter a response for each allegation. You can answer in one of three ways:

• Admit—like saying, “This is true.”
• Deny—like saying, “Prove it.”
• Deny due to lack of knowledge—like saying, “I don't know.”

It's best to respond to each allegation individually, because if you leave any unanswered, the court will consider it an admission.

Most attorneys recommend that you deny as many allegations as possible. At this stage of the lawsuit, the burden of proof is not on you. So when you deny a claim, the plaintiff has to do more work to prove that it is true. If they don't have the proper documentation or evidence to prove their claims, they might choose to dismiss the case instead.

SoloSuit helps you respond with the right language.

As you're responding to allegations, keep in mind that Kentucky allows you to amend your Answer, but it must be in good faith (for an honest and legitimate reason). According to Kentucky Rules of Civil Procedure 15.01, you can amend your Answer within the first 20 days after receiving the Kentucky Civil Summons and Complaint. If 20 days have already passed, you can request for a written permission from the plaintiff OR permission from the court (also known as “leave of court”) to amend.

Because amending a response means more work and stress for you, it's best to read through the allegations slowly and provide answers you feel are truthful and accurate the first time.

2. Include affirmative defenses

The next section of your Answer should be where you state your affirmative defenses.

Affirmative defenses are an essential part of your Answer because they provide reasons the collector should lose the case. There is a wide range of defenses, but only some will apply in a debt collection case.

Here is a list of common affirmative defenses to use in a debt lawsuit:

• Expired statute of limitations: The statute of limitations is the time limit that a creditor or debt collector can sue someone for a debt. The Kentucky statute of limitations on debt collection is 10 years after the date of your last payment. So, if you haven't made any payments on your account in 10 or more years, it has already passed the statute of limitations. This means that your creditor does not have the legal right to sue you. If this affirmative defense applies to your debt, use it.
• Incorrect debt amount listed: Use this affirmative defense if the amount of debt in the Kentucky Civil Summons and Complaint is incorrect, whether due to a creditor's error or you having paid the debt already.
• Canceled contract: Use this affirmative defense if you had a contract with the creditor but canceled it, and they are still charging you for a debt you don't owe.
• Stolen or mistaken identity: If a creditor is suing you for a debt that isn't yours—for example, you share a name with someone, and it is their debt—you should use the mistaken identity affirmative defense. Secondly, the debt could be in your name, but you did not apply for, receive, or use the credit card. If this is the case, use identity theft as an affirmative defense.
• No relationship to the debtor or creditor: If the original creditor sold your debt to a collection agency, use this affirmative defense. The collection agency has to give proof that they purchased your debt from the initial creditor to continue with the lawsuit.

SoloSuit can help you make the right affirmative defenses.

3. File the Answer with the court and send a copy to the plaintiff's attorney

Now that your Answer is complete, all that's left is to file it with the court and send a copy to the plaintiff's lawyer. This step is incredibly important. If your Answer isn't received by both parties by the deadline, a default judgment could be entered and you may have to pay the debt in full.

To file your answer on your own, follow these three steps:

1. Make two copies of your Answer.
2. Mail one copy to the court.
3. Mail one copy to the plaintiff's attorney.

SoloSuit can also file your Answer for you in all 50 states.

Be careful about getting the mailing address of the court right, sometimes the address may not be clear on your Kentucky Summons. In fact, the mailing address of your court may even be different from the physical address of the courthouse.

It's an excellent idea to spend the extra bucks and send your Answer via USPS Certified Mail. Make sure to request a confirmation receipt and make copies of everything so you have proof that your Answer arrived.

Settle debt in Kentucky

Whether you’ve been sued for debt or not, you can settle debt in Kentucky. Paying in full is ideal, but if you can’t, settling is your best option. Do your best to settle before your debt lawsuit reaches its conclusion and you have a judgment against you.

A judgment lets a creditor garnish your wages, take money from your bank account, and possibly even seize and sell your property. If you’ve gotten a notice of a debt lawsuit, you need to do three things:

Respond to your lawsuit

Responding to your lawsuit by the deadline is a must, even if you choose to settle. If you ignore the notice of a lawsuit, you might as well be admitting you owe the debt. When you send an Answer on time, that means the lawsuit can continue. And as long as the lawsuit is active, you have time to settle.

If you need to respond to a Summons, get started on your Answer letter right now.

Make a plan and start negotiating

Before you start negotiating, you need a plan. More specifically, you need to know what you can reasonably afford to pay to settle. In nearly every case, you need a lump sum to settle. Most creditors aren’t going to agree to a payment plan because of the risk of default. At SoloSuit, we usually suggest starting by offering 60% of the debt.

However, you shouldn’t start negotiating with the maximum amount you can pay. A creditor is most likely going to counteroffer at least once, and you want to leave room to negotiate up if possible.

Get your plan in writing

It may take some time to reach an agreement with your creditor. Remember to be patient and polite — creditors aren’t obligated to settle with you, and if you’re unpleasant, they’ll probably shut things down entirely.

Once you have a settlement offer, get it in writing first! The most important part of this agreement is a clause saying that when the creditor accepts the sum, they’re forfeiting any rights to come after you for the remainder of the initial debt balance.

Ready to settle? SoloSettle from SoloSuit makes it easy.

For more information on how to negotiate in order to settle your debt in Kentucky, check out these tips from a licensed consumer rights attorney in the video below.

The statute of limitations on debt in Kentucky stop lawsuits over old debts

The Kentucky statute of limitations on debt collections is 10 years in most cases. After 10 years, the creditor no longer has the legal grounds to to sue you. Once the statute of limitations expires, your debt should also be removed from your credit report. If, on the other hand, you have medical debt, under Kentucky medical debt collection laws there is usually a written contract, which means you could be looking at a 15-year statute of limitations.

Unfortunately, the statute of limitations won't stop creditors and debt collectors from suing you. They're counting on you being ignorant. Think about it; most people have never even heard of the statute of limitations, and they're hoping you fall under this umbrella. This is why you should always check the statute of limitations on your debt before responding to your case.

Remember, when you make payments on a debt account, it restarts the clock on the statute of limitations. So, when a debt collector contacts you, investigate the debt before handing over your money. If you don't, you might end up paying for a debt that is no longer valid.

The table below lists Kentucky's statutes of limitations on different types of debt:

Statute of Limitations on Debt in Kentucky

Debt Type	Deadline
Credit Card	10 years
Medical	10 years
Student Loan	10 years
Auto Loan	10 years
Mortgage	10 years
Personal Loan	10 years
Judgment	15 years
Source: Ky. Rev. Stat. § 413.090 and § 413.160

One of the favorite tactics of some of the shadier debt collectors is to try to collect debt (and even sue for debt) after the statute of limitations has passed. This is why you should know Kentucky statute of limitations on debt before you take any steps to respond to a debt collector.

The countdown to the statute of limitations begins with the last payment you make on an account. For instance, if you haven’t paid a credit card for four years and then you make a payment, that means the creditor now has another five years to sue you for the debt.

Somewhat confusingly, while a debt collector cannot sue you for a debt after the statute of limitations has passed, the debt can still remain on your credit report, meaning it can impact your credit score, your ability to secure credit, and sometimes even harm your ability to find a place to live.

Fortunately, the debt will not stay on your report forever. A federal law called the Fair Credit Reporting Act (FCRA) limits the time that most debt can appear on your credit report to seven years.

After seven years, the debt should come off your credit report. Since the creditor cannot sue, you might think you’re in the clear. This is mostly true. However, the creditor you did not repay is usually well within their rights to deny you another line of credit. To understand how this works, let’s look at an example.

Kentucky debt collection laws further protect its residents

Debt collectors often bank on consumers not knowing their rights. And unfortunately, during the collection process, many consumers' rights are violated without them even knowing. If you’re dealing with a Kentucky debt collector, always know your rights!

Kentucky debt collection laws are largely in line with a federal law called the Fair Debt Collection Practices Act (FDCPA). These are some of the most important provisions you should know:

• Debt collectors may not use deceptive practices (like falsely identifying themselves as law enforcement) to collect debts.
• They may not threaten violence or harass you to collect.
• They may not call you to collect debt early in the morning or late at night.
• You have the right to ask a collection agency to validate your debt.
• If a collector violates laws, you can sue for damages.

Make a debt collector prove you owe money before you pay! Send a Debt Validation Letter with SoloSuit!

Find debt relief in Kentucky

You already know that the more debt you have hanging over your head, the more stressful life can get. That’s why it’s a good idea to programs for debt relief in Kentucky and implement your own debt repayment strategies. Here are a few programs in Kentucky that can help you get out of debt:

• Kentucky Homeownership Protection Center: Offers assistance to homeowners about to face foreclosure.
• National Foundation for Credit Counseling: Helps connect you to non-profit debt counselors.
• Child Care Assistance Program for Families: Helps working parents pay for child care.
• Kentucky Transitional Assistance Program (KTAP): Offers financial assistance and job training/support for parents.
• Supplemental Nutrition Assistance Program (SNAP): Helps supplement food budgets for low-income people.

If your income is too high, you might not qualify for these, but you have other options:

Use debt consolidation loans

Debt consolidation loans can make repayment less stressful. They let you roll all or some of your monthly payments into a single monthly payment. They also typically have much lower interest rates than many kinds of debt, including credit cards.

However, keep in mind that not everyone will qualify for these loans. You usually must have good (or at least fair) credit to get one.

Apply for HELOCs or home equity loans

If you own a home, you might be able to use it to pay off your debt! HELOCs (home equity lines of credit) work like credit cards secured by your home, and home equity loans work like personal loans secured by your home. This keeps interest rates low — but it also means that if you can’t pay, the lender can take your home.

Create a plan

While it might not technically be debt relief, creating a debt repayment plan can help you make better progress and feel more confident in your ability to make it to a debt-free life. You can create any strategy you want, but these are two strategies that work for many:

• Avalanche Strategy: Start with your highest-interest debts.
• Snowball Strategy: Start with your smallest debts.

Regardless of what strategy you choose, be very wary of companies that claim to be able to dramatically reduce the debt you owe but charge you an upfront fee. Many of these are scams that either reduce your debt very little or not at all.

Finally, one of the most effectives types of debt relief is student loan forgiveness.

Apply for student loan forgiveness with Kentucky Higher Education Student Loan Corporation (KHESLC)

Any kind of debt can cause problems. But in recent years, the rising cost of college tuition combined with a very slow rise in wages means that more people are struggling with student debt. If you live in Kentucky and meet certain requirements, you might qualify for total or partial student loan relief through KHESLC.

KHESLC offers multiple student debt forgiveness programs. If you are experiencing financial hardship, you might be able to have up to $17,500 of your loan forgiven if you meet these criteria:

• You have Federal Family Education Loans (FFEL), Federal Perkins Loans, or Kentucky Higher Education Student Loans (KHESLC).
• You’ve made at least 48 on-time monthly payments.
• Your loan is current and isn’t in default.

There are also programs to forgive more specific types of loans:

• Teacher Loans: You might be eligible if you teach in low-income areas or educational service agencies.
• Closed School Loan Discharge: You might qualify if your school closed when you were enrolled or soon after you withdrew.
• Total and Permanent Disability Discharge: You may qualify if you have a total and permanent disability that prevents you from working.
• Public Service Loan Forgiveness: You might qualify if you work in certain public service jobs and have made at least 120 payments.

Before applying for any KHESLC program, always be sure to carefully review eligibility requirements. You’ll also need to gather appropriate documentation.

Check the status of your court case in Kentucky

Settling your debt with a collector is often less stressful than dealing with a lawsuit. But if you find you’ve been sued for a debt, you can still settle — as long as you check the status of your court case in Kentucky and don’t miss any important dates! One of the best ways to do this is to make sure you can access your case’s complete records. There are two methods for this: online or in person.

Accessing your records online

This is by far the easiest way to access your case. You should almost always be able to find your case online using KYeCourts, Kentucky’s online database. If you know both your case number and the county where the case originated, you can search with those criteria. If you don’t know these pieces of information, you can search with one of these:

• Your driver’s license number.
• The combination of your first and last name and date of birth.
• The combination of your first and last name.
• Your Social Security number (this search might not always be available).
• The county of the lawsuit origin and a range of dates.

In some cases, a search will give you a huge list of cases. The more search filters you’re able to apply, the faster you’ll find your case.

Accessing your records in person

Although the KYeCourts is generally up-to-date, you may run into a problem where you can’t find your records. If that happens, you can find the address of your local court and visit in person.

Stop wage garnishment in Kentucky

In any state, wage garnishment is incredibly hard to stop once it starts. The best way to stop wage garnishment in Kentucky is to prevent it. Some kinds of income (like Social Security and disability payments) cannot be garnished. However, while many states prohibit garnishment of retirement benefits or pensions, Kentucky allows these wages to be garnished.

If your wages are garnished in Kentucky, the maximum weekly garnishment is the same as that allowed by federal law. The maximum your wages can be garnished per week is the lesser of these two:

• The disposable income left after subtracting 30 times the federal minimum wage ($7.25)
• 25% of your disposable income

“Disposable income” is the income you have left after subtracting taxes.

So, how do you avoid wage garnishment? Do your best to resolve your debt before it makes it into the courtroom. You don’t have to worry about garnishment happening overnight.

First, a creditor or collector will repeatedly send you letters and call you to collect. You can contact the creditor at this point to start a payment plan or otherwise work out the debt. If you continually ignore the creditor/collector’s communications, they may then sue you. At this point, you must respond to the lawsuit and attempt to settle the debt.

However, if you do nothing and the lawsuit goes through court, you’ll probably get a default judgment against you. That’s what lets a creditor or collector garnish your wages.

Utilize Kentucky legal aid organizations

Like all U.S. states, the state of Kentucky has several government-funded organizations that offer free legal services to state residents.

Here are the existing organizations in Kentucky and their contact information:

• Appalachian Research and Defense Fund of Kentucky
• Kentucky Legal Aid
• Legal Aid of the Bluegrass
• Legal Aid Society (Louisville area)

Find your Kentucky court locations

In some cases, the court address may not be clear on your Kentucky Summons. In that case, you can use the Kentucky Justice Court website to find the address of the court you are looking for. Just use the dropdown menu under "About the Courts" to select your court jurisdiction, then use the dropdown menu under counties to select the county in which you live. Keep in mind that the mailing address and the physical address are sometimes different. To make things easy, you can let SoloSuit file for you.

If you are completing this process on your own and need help, you can contact the Kentucky Administrative Office of the Courts (Kentucky AOC) here.

And if you're ready to start drafting and filing an Answer to your debt Summons in Kentucky, find your local court below to move forward with it.

• Green County Circuit Court 11 Th Judicial District
• Hancock District Court
• Court of Justice Perry County Circuit Court
• Clark County 25 Th Judicial District
• Simpson County Circuit Court
• Simpson County District Court
• In the Lewis County District Court
• Floyd County District Court 31 St Judicial District
• Boyle County District Court Civil Division
• pike County Circuit Court
• Nicholas County Circuit Court 18 Th Judicial District
• Barren County Circuit Court
• Graves County 52 Nd Judicial District
• Daviess District Court
• Court of Justice Jefferson Circuit Court
• Laurel County District Court
• Mccracken Circuit Court
• Court of Justice Franklin District Court
• Bullitt Circuit Court
• Bourbon County 14 Th Judicial District Court
• In the Pulaski District Court
• Madison Circuit Court
• Court of Justice Jackson District Court
• In the Hart District Court, Hart County, Kentucky
• Boone County Circuit Court 54 Th Judicial District
• Mccracken District Court
• District Court of Allen County
• Washington District Court
• Mclean District Court
• Court of Justice Clay County District Court
• Union Circuit Court
• Breathitt County 39 Th Judicial District
• Nelson County District Court
• Mercer District Court
• In the Pulaski Circuit Court 28 Th Judicial Circuit
• Webster County 5 Th Judicial District
• In the Bell County Circuit Court Division
• Bell District Court Division
• Boyd District Court
• Greenup Circuit Court
• Oldham County Circuit Court
• Court of Justice Woodford District Court
• Jefferson County District Court
• In the Harrison County District Court Division
• In the Whitley County District Court
• In the in the Bath County District Court Division
• Fayette County 22 Nd Judicial Circuit Court
• 37 Th Judicial District Carter County Circuit Court
• In the Russell County District Court
• 8 Th Judicial District Warren District Court
• Fleming District Court
• Court of Justice Meade Circuit Court
• Court of Justice Martin District Court
• Court of Justice Hardin Circuit Court
• Campbell County District Court
• Shelby County Circuit Court
• In the Fayette County District Court Division
• In the Anderson County Circuit Court Division
• District Court Jessamine
• In the Campbell County Circuit Court Division
• Hopkins County Circuit Court
• Madison District Court
• Knox Circuit Court
• Court of Justice Boone District Court
• Barren County District Court
• Larue Circuit Court
• Logan County Circuit Court 7 Th Judicial District
• Court of Justice Scott County Circuit Court
• In the Edmonson County District Court
• Court of Justice Taylor Circuit Court
• Trigg County Circuit Court
• Bullitt District Court
• Lincoln District Court
• Taylor District Court
• In the Fulton District Court
• Ohio District Court
• Johnson District Court
• Mason County District Court Civil Division
• Harlan County Circuit Court
• In the Christian County District Court Division
• Pike County Circuit Court
• in the Spencer County District Court
• County of Adair
• Clinton Circuit Court
• Marion County District Court
• Knott County 36 Th Judicial District
• in the Boyd County Circuit Division I
• Kenton County Circuit Court
• in the Grayson County District Court
• Garrard Circuit Court Garrard County
• Circuit Court Rowan County, Kentucky
• Trimble County 12 Th Judicial Circuit
• Harlan District Court Harlan County, Kentucky
• In the Calloway District Court
• Court of Justice Franklin Circuit Court
• Powell County Circuit Court
• Monroe County Circuit Court
• In the in the Greenup County District Court
• in the Morgan County District Court
• , Hardin County District Court
• Muhlenberg District Court
• Oldham County District Court
• In the Breckinridge District Court
• in the Mccracken County Circuit Court
• in the Mccracken County District Court
• Jessamine County Circuit Court
• Shelby County District Court
• In the in the Casey County District Court
• In the Mccreary District Court Division
• In the Mccreary Circuit Court Division
• Henderson Circuit Court
• District Court of Todd County
• Bourbon County 14 Th Judicial District Court
• Kenton District Court
• In the in the Pendleton County District Court
• In the in the Pendleton County Circuit Court
• Marshall Circuit Court Division
• Marshall District Court Division
• Menifee Circuit Court Division
• Lincoln County Circuit Court
• Mason County Circuit Court, Kentucky
• Henry County Circuit Court
• Warren County Circuit Court
• Johnson Circuit Court
• Letcher Circuit Court
• Montgomery County District Court
• Montgomery County Circuit Court
• Leslie County 41 St Judicial District
• Estill District Court
• , Gallatin County, District Court
• Bullitt District Court Division
• Mercer Circuit Court
• daviess District Court
• Clark County Circuit Court
• in the Christian County Circuit Court Division
• In the Madison County 25 Th Judicial District
• Grant Circuit Court

Ready to respond to your Kentucky Civil Summons

Answering your KY Civil Summons does not have to be an arduous task or a time-consuming ordeal affair. SoloSuit can alleviate the stress of going through this process by using our professionally drafted Answer.

If you do not want your case to be heard in court, SoloSuit's Motion to Compel Arbitration can help you request the creditor to settle out of court. Watch this video on how to navigate through our SoloSuit App.

>>Read the FastCompany article: Debt Lawsuits Are Complicated: This Website Makes Them Simpler To Navigate

>>Read the NPR story on SoloSuit. (We can help you in all 50 states.)

How to Answer a Summons for debt collection in all 50 states

Here's a list of guides on how to respond to a debt collection lawsuit in each state:

The Ultimate 50 State Guide

• Alabama
• Alaska
• Arizona
• Arkansas
• California
• Colorado
• Connecticut
• Delaware
• Florida
• Georgia
• Hawaii
• Idaho
• Illinois
• Indiana
• Iowa
• Kansas
• Kentucky
• Louisiana
• Maine
• Maryland
• Massachusetts
• Michigan
• Minnesota
• Mississippi
• Missouri
• Montana
• Nebraska
• Nevada
• New Hampshire
• New Jersey
• New Mexico
• New York
• North Carolina
• North Dakota
• Ohio
• Oklahoma
• Oregon
• Pennsylvania
• Rhode Island
• South Carolina
• South Dakota
• Tennessee
• Texas
• Utah
• Vermont; Vermont (Small Claims court)
• Virginia
• Washington
• West Virginia
• Wisconsin
• Wyoming

Guides on how to resolve debt with every debt collector

Are you being sued by a debt collector? We’re making guides on how to resolve debt with each one.

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• Credence Resource Management
• Credit Bureau Systems
• Credit Control Corporation
• Credit Management Company
• Credit Management LP
• Credit Systems
• Credit Systems
• CSIEZPay
• CTC Debt Collector
• CVCS Debt Collection
• Cypress Financial Recoveries
• D&A Services
• Daniels, Norelli, Cecere & Tavel P.C.
• DCM Services
• Debt Recovery Solutions
• Delanor Kemper & Associates
• Department Stores National Bank
• Direct Recovery Associates
• Discover Collections
• Diversified Adjustment
• Diversified Consultants
• Diversified Recovery Bureau
• DNF Associates, LLC
• Dodeka LLC
• DRS Credit
• Dynamic Collectors
• Eagle Loan
• Eagle Accounts Group, Inc.
• Eastern Account System
• EduCap
• Ellington and Associates Collections
• Encore Capital Group
• Enerson Law
• Enerson Law LLC
• Enhanced Recovery Company
• EOS CCA
• ERC Collections
• ERSolutions
• Estate Information Services
• Equable Ascent Financial
• Everest Business Funding
• Executive Credit Management
• Faber and Brand
• Factual Data
• Falls Collection Service
• FBCS
• FCO Collections and Outsourcing
• FIA Card Services
• fin rec svc (Financial Recovery Services)
• First Federal Credit Credit Control
• First Financial Bank
• First Portfolio Ventures LLC
• First Progress
• FirstPoint Collection Resources
• Firstsource Advantage
• FMA Alliance
• FNB Omaha
• Forster & Garbus
• Franklin Collection Services
• Freedom Plus
• Freshview Solutions
• Frontline Asset
• Frost Arnett
• Fulton Friedman & Gullace LLP
• Galaxy International Purchasing, LLC
• GC Debt Collection
• GC Services
• General Revenue Corporation
• GLA Collections
• Glass Mountain Capital
• Glasser and Glasser
• Global Credit Collection Corp
• Global Trust Management
• GMAC Financing
• Golden 1 Credit Union
• Grant and Weber
• Grant Mercantile Agency
• Gulf Coast Collection Bureau
• Gurstel
• Halsted Financial Services
• Harris and Harris
• Harvard Collection
• Harvest Credit Management
• Helvey and Associates
• Hollis Cobb
• Holloway Moxley
• Hosto Buchan
• Howard Lee Schiff
• H&R Accounts
• HRRG
• Hudson & Keyse LLC?
• Hunter Warfield
• IC System
• Impact Receivables Management
• Innovative Recovery
• Integras Capital Recovery LLC
• Javitch Block
• JHPDE Finance 1 LLC
• JP Receivables Management Partners
• JPMCB card
• Kenneth Eisen and Associates
• KeyBank student loans
• Kinum
• Kirschenbaum, Phillips & Levy P.C.
• KLS Financial Services
• Kramer & Frank
• Lakeside Collection
• Lending Club
• Lincoln and Morgan Kabbage
• Linebarger Goggan Blair & Sampson LLP
• Lockhart Collection Agency
• LJ Ross Associates
• LTD Collections
• Malcolm S. Gerald and Associates
• Malen & Associates
• Mandarich Law Group
• Mannbracken
• Marcam Associates
• MARS Inc. Collections
• MBA Law
• MCA Management Company
• McCarthy, Burgess & Wolff
• Meade & Associates
• Medicredit
• Mercantile Adjustment Bureau
• Merchants Credit Association
• MGM Collections
• Michael J Adams PC
• Midland Funding LLC
• Mid-South Adjustment
• Monarch Recovery
• Monterey Financial
• Moss Law Firm
• Mountain Land Collections
• MRS Associates
• MRS BPO
• MSW Capital LLC
• Mullooly, Jeffrey, Rooney & Flynn
• Nathan and Nathan PC
• National Collegiate Trust
• National Credit Adjusters
• National Credit Care
• National Credit Systems
• National Enterprise Systems
• National Recovery Agency
• National Recovery Solutions
• Nationstar
• Nationwide Credit
• Nationwide Recovery Services
• Nationwide Recovery Systems
• NCEP LLC
• NCO Financial Systems Incorporated
• North American Recovery
• Northland Group
• Northstar Capital Acquisition
• Northstar Location Services
• NPAS
• NRC Collection Agency
• Oliver Adjustment Company
• Oliphant Financial, LLC
• Oportun
• P&B Capital Group
• PCB Collections Agency
• Palisades Collection LLC
• Pallida LLC
• Paragon Contracting Services
• Paragon Revenue Group
• Payday Loan Debt Collectors
• Pendrick Capital Partners
• Penn Credit
• Perdue Brandon
• Persolve LLC
• Phillips & Cohen Associates
• Phoenix Financial Services
• Pioneer Credit Recovery
• PMAB LLC
• PRA Group, Inc.
• Pressler, Felt & Warshaw LLP
• Prestige Services, Inc.
• Prince Parker and Associates
• ProCollect
• Professional Finance Company
• Progressive Management Systems
• Provest Law
• PYOD LLC
• Quaternary Collection Agency
• RAB Collection Agency
• Rash Curtis and Associates
• Radius Global SOL
• Radius Global Solutions
• Rawlings Company
• Razor Capital
• Real Time Resolutions
• Receivables Performance Management
• Regents and Associates
• Reliant Capital Solutions
• RentGrow
• Resurgent
• Resurgent Capital Services and LVNV Funding
• Revco Solutions
• Revenue Enterprises LLC
• Revenue Group
• RGS Financial, Inc.
• RMP LLC in Court
• RMP Services
• RS Clark and Associates
• RSIEH
• RSIEH
• RTR Financial Services
• Rubin & Rothman
• Salander Enterprises LLC
• Samara Portfolio Management
• SCA Collections
• Scott Parnell and Associates
• Second Round Collections
• Second Round Sub LLC
• Selip & Stylianou LLP
• Sequium Asset Solutions
• Sessoms and Rogers
• Sherman Acquisition
• Sherman Financial Group
• SIMM Associates
• Source Receivables Management
• Southern Management Systems
• Southwest Credit Group
• Spire Recovery Solutions
• SRS Company
• Stark Collection Agency
• State Collection Service
• Stenger and Stenger
• Stillman Law Office
• Summit Account Resolution
• Sunrise Credit Services
• Superlative RM Debt Collector
• Suttell and Hammer
• Synergetic Communication
• Synerprise Consulting
• The Law Office of Michael J Scott
• Trellis Company
• Troy Capital
• TRS Recovery Services
• TrueAccord
• Tulsa Teachers Credit Union
• UCB Collection
• UHG 1, LLC
• Unifin
• Unifin Debt Collector
• Unifund
• Universal Credit Services
• US Bank Collections
• USAA collections
• USCB America
• Valentine and Kebartas
• Valley Servicing
• Vance & Huffman LLC
• Van Ru Credit Corporation
• Velo Law Office
• Velocity Investments
• Viking Client Services
• Wakefield and Associates
• Waypoint Resource Group
• WCTCB
• Weinberg and Associates
• Weltman, Weinberg & Reis
• Westwood Funding
• Williams and Fudge
• Wilshire Consumer Credit
• Wolpoff & Abramson
• Worldwide Asset Purchasing
• www.AutomotiveCredit.com
• Zarzaur & Schwartz
• Zwicker & Associates

Resolve your debt with your creditor

Some creditors, banks, and lenders have an internal collections department. If they come after you for a debt, Solosuit can still help you respond and resolve the debt. Here’s a list of guides on how to resolve debt with different creditors.

• American Express; American Express – Debt Collection
• Bank of America
• Barclay
• Best Buy Credit Card
• Capital One
• Chase
• Credit One Bank
• Old Navy Credit Card
• PayPal Synchrony Card
• Regional Finance
• Retailers National Bank
• Reunion Student Loan Finance Corporation
• SYNCB/PPEXTR
• Synchrony Bank
• Synchrony Walmart Card
• Target National Bank
• Webbank
• Wells Fargo
• Can I Pay My Original Creditor Instead of a Debt Collection Agency?
• Can I Settle a Debt with the Original Creditor?

Settle your medical debt

Having a health challenge is stressful, but dealing medical debt on top of it is overwhelming. Here are some resources on how to manage medical debt.

• Am I Responsible for My Spouse's Medical Debt?
• Do I Need a Lawyer for Medical Bills?
• Do I Need a Lawyer to Fight Medical Bill Debt?
• Does Bankruptcy Clear Medical Debt?
• How Much Do Collection Agencies Pay for Medical Debt?
• How to Find Medical Debt Forgiveness Programs
• Is There a Statute of Limitations on Medical Bills?
• Medical Debt Statute of Limitations by State
• Summoned to Court for Medical Bills — What Do I Do?
• Summoned to Court for Medical Bills? What to Do Next

Guides on arbitration

If the thought of going to court stresses you out, you’re not alone. Many Americans who are sued for credit card debt utilize a Motion to Compel Arbitration to push their case out of court and into arbitration.

Below are some resources on how to use an arbitration clause to your advantage and win a debt lawsuit.

• How Arbitration Works
• How to Find an Arbitration Clause in Your Credit Agreement
• How to Make a Motion to Compel Arbitration
• How to Make a Motion to Compel Arbitration in Florida
• How to Make a Motion to Compel Arbitration Without an Attorney
• How Credit Card Arbitration Works
• Motion to Compel Arbitration in California
• Sample Motion to Compel Arbitration

Stop calls from debt collectors

Do you keep getting calls from an unknown number, only to realize that it’s a debt collector on the other line? If you’ve been called by any of the following numbers, chances are you have collectors coming after you, and we’ll tell you how to stop them.

• 1-800-390-7584
• 800-289-8004
• 800-955-6600
• 8009556600
• 877-366-0169
• 877-591-0747
• 800-278-2420
• 800-604-0064
• 800-846-6406
• 877-317-0948
• 888-899-4332
• 888-912-7925
• 202-367-9070
• 502-267-7522

Federal debt collection laws can protect you

Knowing your rights makes it easier to stand up for your rights. Below, we’ve compiled all our articles on federal debt collection laws that protect you from unfair practices.

• 15 USC 1692 Explained
• Does the Fair Credit Reporting Act Work in Florida?
• FDCPA Violations List
• How to File an FDCPA Complaint Against Your Debt Collector (Ultimate Guide)
• How to Make a Fair Debt Collection Practices Act Demand Letter
• How to Submit a Transunion Dispute
• How to Submit an Equifax Dispute
• How to Submit an Experian Dispute
• What Debt Collectors Cannot Do — FDCPA Explained
• What Does Account Information Disputed by Consumer Meets FCRA Requirements Mean?
• What does “meets FCRA requirements” mean?
• What does FCRA stand for?
• What is the Consumer Credit Protection Act