How to Answer a Summons for Debt Collection - The Ultimate 50 State Guide
George Simons | June 29, 2023
Fact-checked by Patrick Austin, J.D.
Edited by Hannah Locklear
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Summary: Sued for debt? Each state has specific requirements for responding to a debt lawsuit, but there are certain steps that are universal. For example, you should respond to each individual claim against you, assert your affirmative defenses, and file the Answer before your state's deadline. Here's our 50-state guide on how to respond and win in court. Use SoloSuit to respond in just 15 minutes.
Don't just roll over and take it. Fight back.
We want to help you win your debt collection lawsuit, not pay money that you don't owe, and protect your wages from garnishment. That's why we put together this guide for how to answer a summons for debt collection in all 50 states. Don't like reading? Check out this video:
Debt collection lawsuits are difficult to navigate, partly because the relevant laws change from state to state. So we've compiled the most relevant information for each all in one spot. Now you don't have to crawl your state courts' website looking for this information, because, trust me, it's a nightmare.
For each state, we provide the following:
- Deadline for filing your Answer to a debt collection summons and complaint
- Most relevant official Answer form available in that state.
- Court case search tool where you can check the status of your case
- Attorney lookup tool where you can search contact information for the attorney representing the opposing party
Some states don't have answer forms so we've linked to other helpful forms and tidbits where we can.
Also, we should mention this: SoloSuit can do all of this for you.
You can use SoloSuit to generate your Answer
SoloSuit makes it easy to respond to a debt collection lawsuit.
How it works: SoloSuit is a step-by-step web-app that asks you all the necessary questions to complete your answer. Upon completion, you can either print the completed forms and mail in the hard copies to the courts, or you can pay SoloSuit to file it for you and to have an attorney review the document.
Respond with SoloSuit
"First time getting sued by a debt collector and I was searching all over YouTube and ran across SoloSuit, so I decided to buy their services with their attorney reviewed documentation which cost extra but it was well worth it! SoloSuit sent the documentation to the parties and to the court which saved me time from having to go to court and in a few weeks the case got dismissed!" – James
Get Started>>Read the NPR story on SoloSuit: A Student Solution To Give Utah Debtors A Fighting Chance
The 3 Steps to respond to a debt lawsuit
A debt lawsuit begins when you receive a Summons and Complaint. The Summons tells you that you're being sued. The Complaint tells you why you're being sued. In some states these documents are a little different or are called different names. In some states, like Texas, they're called a Citation and Petition. Here is what they look like:
To respond to a debt lawsuit, you need to take three steps. SoloSuit walks you through these steps.
1. Respond to every paragraph in the Complaint
The Complaint includes several numbered paragraphs that lay out the lawsuit against you. For debt collection cases, there are usually between 10 and 30 numbered paragraphs. Read each paragraph and decide how you want to respond. You should respond in one of three ways:
- Admit. Admit the paragraph if you agree with everything in the paragraph.
- Deny. Deny the paragraph if you want to make the debt collector prove that it is true.
- Defendant denies the allegation for lack of knowledge sufficient to know the truth or falsity thereof. This is a lawyerly way of saying “I don't know.” Choose this option if you don't understand the paragraph or if you don't have the information needed to respond to it.
Choose one of these responses and write it into your Answer after the corresponding paragraph number.
Many attorneys recommend denying everything to force the other side to prove everything. This is a good strategy in many cases.
2. Assert your Affirmative Defenses
An “affirmative defense” is a reason why the person suing you doesn't have a case; it is your defense against the lawsuit. You must list these defenses in your Answer otherwise, you can't bring them up later. That's right, asserting your affirmative defenses is a once in a lifetime opportunity: if you don't bring them up now, you are legally prohibited from bringing them up later. Many online forms don't help you assert your affirmative defenses, SoloSuit does.
Here are some of the more common defenses we see:
- The account with the debt is not your account
- The contract was already canceled. Therefore you don't owe the creditor anything.
- The statute of limitations has expired. A statute of limitations is a law that sets a deadline on an action.
- The debt has been paid or excused.
- The debt has been partially paid.
- You were a co-signer but were not informed of your rights as a co-signer.
These are a few of the many affirmative defenses. Being unable to pay the debt is not normally a legal defense to the debt.
3. File the Answer with the court and the plaintiff
Once you have created your Answer, responded to the paragraphs in the Complaint, and asserted your affirmative defenses, you are ready for the final step: file your Answer. The Answer document by itself is worthless unless you file it properly. Otherwise, it's like doing homework and not turning it in. SoloSuit takes care of this for you so you don't have to worry about buying a printer and figuring out whether you need Certified Mail or Priority Mail at the Post Office.
Here's what you need to do to file your answer.
- Print two copies of your Answer
- Mail one copy to the court
- Mail the other copy to the plaintiff's attorney.
The address for the attorney will be in the Summons and Complaint you received in the mail. But where is the address for the Court? Good question, most Summons don't list the address of the Court. And the mailing address is often different from the physical address of the court listed on Google. With SoloSuit, we figure all of that out for you and make sure your Answer gets to the right place.
(Read the CardRates article about SoloSuit.)
Without further ado, this is how you answer a summons for debt collection in any of the 50 states (and the District of Columbia).
Alabama
Sweet home Alabama, we made an in-depth guide for you: How to Answer a Summons for Debt Collection in Alabama
Alabama Rules of Civil Procedure
Deadline for answering a debt collection summons
District Court – 14 Days
Circuit Court – 30 Days
Answer to Complaint Forms
Attorney directory
Find a Member | Alabama State Bar
Alaska
Alaska Rules of Civil Procedure
Deadline for answering a debt collection summons
Answer to Complaint Forms
Case search tool
Attorney directory
Member Directories - Alaska Bar Association
Arizona
The Grand Canyon State, do we have a grand guide for you: How to Answer a Summons for Debt Collection Arizona (2020 Guide)
Most courts in Arizona charge an Answer filing fee. The fee ranges from $40-$245. SoloSuit makes calculation and payment of the fee easy.
Arizona Rules of Civil Procedure
Deadline for answering a debt collection summons
20 days - if you were served in Arizona
30 days - if you were served outside of Arizona
Answer to Complaint Forms
Answer (For lawsuits under $10k)
Answer (For lawsuits over $10k)
E-filng (Civil)
E-filing (Small claims)
Attorney directory
Membership Records - State Bar of Arizona
Arkansas
The home of Walmart. Here is your guide: How to Answer a Summons for Debt Collection in Arkansas.
Arkansas Rules of Civil Procedure
Deadline for answering a debt collection summons
30 days
Answer to Complaint Forms
Court search tool
Attorney directory
California
The Golden State, we made a guide for you too. How to Answer a Summons for Debt Collection in California.
California courts charge an Answer filing fee. The fee ranges from $181-$450. SoloSuit makes calculation and payment of the fee easy. We can even help you with a fee waiver, if applicable, which brings the fee down to zero.
California Rules of Civil Procedure
Deadline for answering a debt collection summons
30 days
40 days if the documents were served on someone else in your household or they were mailed to you.
Answer to Complaint Forms
Case search tool
California doesn’t have a universal link for case searches, but almost all counties have a case lookup portal. Here are some of the major counties in which we file (feel free to build this list):
- Alameda
- Contra Costa
- Fresno
- Los Angeles
- Orange
- Placer
- Riverside
- Sacramento
- Santa Clara
- San Bernardino
- San Diego
- San Francisco
- Ventura
Attorney directory
Colorado
Vail is pretty good. So we made a guide for you too. How to Answer a Summons for Debt Collection in Colorado
Colorado courts charge an Answer filing fee. The fee ranges from $80-$192. SoloSuit calculates and processes the fee payment for you.
Colorado Rules of Civil Procedure
Deadline for answering a debt collection summons
Answer to Complaint Forms
Court case search
Attorney directory
Attorney Search / History - Colorado Supreme Court
Connecticut
Ah, the Nutmeg State and the home of the Charter Oak. Few states have done as much as you for the independence of the country, so we made you a guide: How to Answer a Summons for Debt Collection in Connecticut.
Connecticut Rules of Civil Procedure
Deadline for answering a debt collection summons
Answer to Complaint Forms
Court case search
Attorney directory
Attorney/Firm Look-up - Connecticut Judicial Branch
Delaware
Delaware is the first state ever! Here's your guide: How to Answer a Summons for Debt Collection in Delaware.
Delaware Rules of Civil Procedure
Deadline for answering a debt collection summons
Answer to Complaint Forms
Court case search
Attorney directory
Attorney Search - Delaware State Bar Association
District of Columbia
Deadline for answering a debt collection summons
Answer to Complaint Forms
Florida
The Sunshine State, here is your guide. How to Answer a Summons for Debt Collection in FL.
Florida Rules of Civil Procedure
Deadline for answering a debt collection summons
Answer to Complaint Forms
Court case search
Attorney directory
Lawyer Directory - The Florida Bar
Georgia
Most courts in GA require the defendant to e-file. They charge a fee to e-file. The fee ranges from $7.20–$31.50. SoloSuit takes care of payment of the fee for you.
Georgia Rules of Civil Procedure
Deadline for answering a debt collection summons
Answer to Complaint Forms
Court case search
Attorney directory
Member Directory - State Bar of Georgia
Hawai'i
Aloha! How to Answer a Summons for Debt Collection in Hawaii.
Hawai'i Rules of Civil Procedure
Deadline for answering a debt collection summons
Answer to Complaint Forms
Court case search
Attorney directory
Find a Lawyer - Hawaii State Bar Association
Idaho
Idaho is one of the best kept secrets in the US. So we made a guide for you. So many hot springs. How to Answer a Summons for Debt Collection in Idaho.
Some courts in Idaho charge an Answer filing fee. The fee is usually $136. SoloSuit processes the fee payment for you.
Idaho Rules of Civil Procedure
Deadline for answering a debt collection summons
Answer to Complaint Forms
Small claims Answer Form (It's form fillable!)
Court case search
Attorney directory
Attorney Roster Search - Idaho State Bar
Illinois
The land that brought us Lincoln! Here is your guide: How to Answer a Summons for Debt Collection in Illinois.
Illinois courts charge an appearance fee which usually needs to be filed with or before the Answer. The fee ranges from $119-$378. SoloSuit makes calculation and payment of the fee easy. We can even help you with a fee waiver, if applicable, which brings the fee down to zero.
Illinois Rules of Civil Procedure
Deadline for answering a debt collection summons
Appear in court, then you have 10 days to file an answer.
Answer to Complaint Forms
Answer/Response to Complaint/Petition
Court case search
Attorney directory
Indiana
What's a Hoosier? We don't know, but here's your guide: How to Answer a Summons for Debt Collection in Indiana.
Indiana Rules of Civil Procedure
Deadline for answering a debt collection summons
Answer to Complaint Forms
United States District Courts Southern District of Indiana Answer Form
Court case search
Attorney directory
Iowa
The Hawkeye state here is your guide: How to Answer a Summons for Debt Collection in Iowa.
Iowa Rules of Civil Procedure
Answer to Complaint Forms
Court case search
Attorney directory
Member Search - The Iowa State Bar Association
Kansas
The Sunflower State, here is your guide: How to Answer a Summons for Debt Collection in Kansas.
Kansas Rules of Civil Procedure
Deadline for answering a debt collection summons
Answer to Complaint Forms
Court case search
Attorney directory
Member Search - Kansas Bar Association
Kentucky
Kentucky, we love us some bluegrass! Here's your guide: How to Answer a Summons for Debt Collection in Kentucky.
Kentucky Rules of Civil Procedure
Deadline for answering a debt collection summons
20 days
Answer to Complaint Forms
Court case search
Attorney directory
Lawyer Locator - Kentucky Bar Association
Louisiana
Can somebody please send us some beignets? We love them so much, we made a guide for your state. How to Answer a Summons for Debt Collection in Louisiana.
Most courts in Louisiana charge an Answer filing fee. The fee ranges from $10-$250. SoloSuit makes calculation and payment of the fee easy. We can even help you with a fee waiver which brings the fee down to zero.
Louisiana Rules of Civil Procedure
Deadline for answering a debt collection summons
15 days
Answer to Complaint Forms
Attorney directory
Find an Attorney - Louisiana State Bar Association
Maine
Do you smell that? It's the smell of pine trees mixed with an Atlantic breeze. And here's your guide to go with it: How to Answer a Summons for Debt Collection in Maine.
Maine Rules of Civil Procedure
Deadline for answering a debt collection summons
Answer to Complaint Forms
Court case search
Attorney directory
Attorney Directory | Maine.gov
Maryland
This process is a little different in Maryland. Please take a look at this guide: How to Answer a Summons for Debt Collection in Maryland.
Maryland Rules of Civil Procedure
Deadline for answering a debt collection summonss
Served in another state - 60 days
Served outside of the United States - 90 days
Answer to Complaint Forms
Court case search
Attorney directory
MSBA Member Directory - Maryland State Bar Association
Massachusetts
The Old Colony State, here is your guide: How to Answer a Summons for Debt Collection in Massachusetts.
Massachusetts Rules of Civil Procedure
Deadline for answering a debt collection summons
Answer to Complaint Forms
Instructions for writing an answer
Court case search
Attorney directory
Massachusetts Board of Bar Overseers
Michigan
The Land of the Great Lakes. Here is your guide: How to Answer a Summons for Debt Collection in Michigan.
Michigan Rules of Civil Procedure
Deadline for answering a debt collection summons
21 days
Answer to Complaint Forms
Fees
No fee
Court case search
You can also try this Michigan case search
Attorney directory
Minnesota
You gave us 10,000 lakes, and we gave you one guide: How to Answer a Summons for Debt Collection in Minnesota.
Minnesota courts charge an Answer filing fee. The fee ranges from $285-$297. SoloSuit makes calculation and payment of the fee easy. You may qualify for a fee waiver which brings the fee down to zero.
Minnesota Rules of Civil Procedure
Deadline for answering a debt collection summons
Answer to Complaint Forms
Response to Conciliation (Small Claims)
Court case search
Attorney directory
Mississippi
The Magnolia State, here is your guide: How to Answer a Summons for Debt Collection in Mississippi.
Mississippi Rules of Civil Procedure
Deadline for answering a debt collection summons
30 days
Answer to Complaint Forms
Court case search
Mississippi Case Search (Supreme Court only)
Attorney directory
Lawyer Directory - The Mississippi Bar
Missouri
Missouri is the Show-Me State. Show me what? Your guide: How to Answer a Summons for Debt Collection in Missouri.
Missouri Rules of Civil Procedure
Deadline for answering a debt collection summons
30 days
Answer to Complaint Forms
Court case search
Attorney directory
Lawyer Directory - The Missouri Bar
Montana
Montana courts charge an Answer filing fee sometimes. The fees range from $20-$70. SoloSuit takes care of paying the fee for you.
Montana Rules of Civil Procedure
Deadline for answering a debt collection summons
Answer to Complaint Forms
No answer form for small claims
Court case search
Attorney directory
Sign In - State Bar of Montana
Nebraska
Birthplace of the Reuben sandwich and lots and lots of farming. Here's Nebraska's guide: How to Answer a Summons for Debt Collection in Nebraska
Beginning 2022, some (if not all) courts will require mandatory e-filing through the Nebraska Judicial Branch eFiling system.
Nebraska Rules of Civil Procedure
Deadline for answering a debt collection summons
30 days
Court case search
Attorney directory
Attorney Directory - Nebraska State Bar Association
Nevada
The home of Las Vegas, here is your guide: How to Answer a Summons for Debt Collection in Nevada.
Nevada courts charge an Answer filing fee. The fee ranges from $80-$192. SoloSuit calculates and processes the fee payment for you; we make it easy.
Nevada Rules of Civil Procedure
Deadline for answering a debt collection summons
20 days
Answer to Complaint Forms
Attorney directory
Find a Lawyer - State Bar of Nevada
New Hampshire
Live free or die! Your guide: How to Answer a Summons for Debt Collection in New Hampshire.
New Hampshire Rules of Civil Procedure
Deadline for answering a debt collection summons
Answer to Complaint Forms
Court case search
Attorney directory
New Jersey
Can we get some pork rolls please? They're so good, so we made you this guide: How to Answer a Summons for Debt Collection in New Jersey.
Courts in New Jersey charge an Answer filing fee. The fee ranges from $30-$175. SoloSuit processes payment of the fee for you.
New Jersey Rules of Civil Procedure
Deadline for answering a debt collection summons
Answer to Complaint Forms
Attorney directory
Attorney Search - NJ Courts Online
New Mexico
Ah, the Land of Enchantment, here is your guide Statute of Limitations on Debt Collection in New Mexico.
New Mexico Rules of Civil Procedure (District Courts)
Deadline for answering a debt collection summons
Answer to Complaint Forms
Court case search
Attorney directory
Find a Lawyer - State Bar New Mexico
New York
The Big Apple, we got a guide for you. How to Answer a Summons for Debt Collection in New York.
Deadline for answering a debt collection summons
20 days - if served personally (documents were handed to you by another person)
30 days - served in any other way
New York Rules of Civil Procedure
Answer to Complaint Forms
Answer for Consumer Credit Transaction
Court case search
Attorney directory
North Carolina
The Old North State, here is your guide: How to Answer a Summons for Debt Collection in North Carolina.
North Carolina Rules of Civil Procedure
Deadline for answering a debt collection summons
Answer to Complaint Forms
Court case search
Attorney directory
Membership Directory | North Carolina State Bar
North Dakota
Known for its Badlands, here's your guide for North Dakota: How to Answer a Summons for Debt Collection in North Dakota.
North Dakota Rules of Civil Procedure
Deadline for answering a debt collection summons
Answer to Complaint Forms
Court case search
Attorney directory
Lawyers - North Dakota Supreme Court
Ohio
You folks made the airplane. And we made you a guide on How to Answer a Summons for Debt Collection in Ohio.
Ohio Rules of Civil Procedure
Deadline for answering a debt collection summons
28 days (with exceptions)
Answer to Complaint Forms
Other Forms (For Ashtabula County)
Attorney directory
Attorney Directory Search - Ohio Supreme Court
Oklahoma
O-K-L-A-H-O-M-A! Oklahoma! You're doin' fine and here's your guide: How to Answer a Summons for Debt Collection in Oklahoma.
Oklahoma Rules of Civil Procedure
Deadline for answering a debt collection summons
Answer to Complaint Forms
Court case search
Attorney directory
OBA Member Search - Oklahoma Bar Association
Oregon
Keep Portland Weird. Here is the guide for your state: How to Answer a Summons for Debt Collection in Oregon.
Oregon courts charge an Answer filing fee. The fee ranges from $170-$283. SoloSuit makes calculation and payment of the fee easy. We can even help you with a fee waiver which brings the fee down to zero.
Oregon Rules of Civil Procedure
Deadline for answering a debt collection summons
30 days
14 days – if you are sued in small claims court
Answer to Complaint Forms
Can eFile
Fees
$55
Helpful links
What to do if you're sued by a creditor
Court case search
Attorney directory
Pennsylvania
Mining coal is hard work. So we made a guide for your state: How to Answer a Summons for Debt Collection in Pennsylvania.
Some courts in Pennsylvania charge an Answer filing fee. This fee is usually $154.54. SoloSuit processes payment of the fee for you.
Pennsylvania Rules of Civil Procedure
Deadline for answering a debt collection summons
20 days (If you don't respond in that period, the person suing you must send you a letter saying that in 10 days they will request a default judgment.)
Answer to Complaint Forms
Court case search
Attorney directory
Pennsylvania Bar Association Directory Search
Rhode Island
Lil' Rhody, here is your guide: How to Answer a Summons for Debt Collection in Rhode Island.
Rhode Island Rules of Civil Procedure
Deadline for answering a debt collection summons
Answer to Complaint Forms
Court case search
Attorney directory
Directory - Rhode Island Bar Association
South Carolina
Such beautiful Palmettos. Here's your guide: How to Answer a Summons for Debt Collection in South Carolina.
South Carolina Rules of Civil Procedure
Deadline for answering a debt collection summons
Answer to Complaint Forms
Court case search
Attorney directory
Directory - South Carolina Bar
South Dakota
South Dakota courts charge a filing fee to respond to a Complaint. In most cases the fee is $25. SoloSuit takes care of payment of this fee for you.
South Dakota Rules of Civil Procedure
Deadline for answering a debt collection summons
Answer to Complaint Forms
Court case search
Attorney directory
South Dakota - LII Attorney Directory
Tennessee
The Volunteer State, here is your guide: How to Answer a Summons for Debt Collection in Tennessee.
Tennessee Rules of Civil Procedure
Deadline for answering a debt collection summons
Federal Court: 20 days
Answer to Complaint Forms
Court case search
Attorney directory
Online Tennessee Attorney Directory
Texas
Will give free Answers in exchange for brisket. How to Answer a Summons for Debt Collection in texas
TexasRules of Civil Procedure
Deadline for answering a debt collection summons
This one is complicated. Generally, you have 20 days plus until the following Monday, at 10 am to file an Answer. Count all the calendar days including weekends and holidays.
Answer to Complaint Forms
Online Guided Defendant's Answer
Fees
Free
Attorney directory
Find a Colleague for lawyers - State Bar of Texas
Utah
We love Utah. It's where SoloSuit was born. Check out our in-depth guide on How to Respond to a Debt Collection Lawsuit in Utah.
Utah Rules of Civil Procedure
Deadline for answering a debt collection summons
21 days – if served in Utah
30 days – if served outside of Utah
Answer to Complaint Forms
Attorney directory
Utah Bar Directory of Attorneys - Utah State Bar
Vermont
The Green Mountain State, here is your guide: How to Answer Summons for Debt Collection in Vermont.
Vermont Rules of Civil Procedure
Deadline for answering a debt collection summons
30 days of the date the Complaint was mailed
Answer to Complaint Forms
Attorney directory
Find a lawyer - Vermont Association for Justice
Virginia
This process is different in Virgina. Read up on it here: How to Answer a Summons for Debt Collection in Virginia.
Virginia Rules of Civil Procedure
Deadline for answering a debt collection summonss
21 days
Answer to Complaint Forms
Court case search
Attorney directory
Member Directory Search - Virginia State Bar
Washington
Washington, may you be ever green. Here is your guide: How to Answer a Summons for Debt Collection in Washington.
Washington Rules of Civil Procedure
Deadline for answering a debt collection summons
Answer to Complaint Forms
Court case search
Attorney directory
West Virginia
The Mountain State, here is your guide: How to Answer a Summons for Debt Collection in West Virginia.
West Virginia Rules of Civil Procedure
Deadline for answering a debt collection summonss
Answer to Complaint Forms
Attorney directory
Membership Directory Search | The West Virginia State Bar
Wisconsin
Y'all have the best cheese, so we made you a guide: How to Answer a Summons for Debt Collection in Wisconsin.
Wisconsin Rules of Civil Procedure
Deadline for answering a debt collection summons
20 days (45 days for some torts)
Answer to Complaint Forms
Answer and Counterclaim (Small Claims) (Summary)
Court case search
Attorney directory
Lawyer Search - State Bar of Wisconsin
Wyoming
With National Parks galore (seven, to be exact!), here's your guide: How to Respond to a Debt Collection Summons in Wyoming
Wyoming Rules of Civil Procedure
Deadline for answering a debt collection summons
20 days – if served in the state
30 days – if served outside of the state
Answer to Complaint Forms
Court case search
Attorney directory
A-Z Lawyer Directory - Wyoming State Bar
Sample Answer to a Debt Collection Complaint
Some people ask us what our Answer looks like. Here's what a SoloSuit Answer looks like. Our underlying document is created by professional litigation attorneys. It is battle tested, too. It is one of the most commonly filed documents in court across the US.
Why Does My State Charge an Answer Filing Fee?
Unfortunately, some state courts charge an Answer filing fee. Those states and the fee ranges are shown below.
We find the practice of courts charging an Answer filing fee to be absurd. It is one of the biggest impediments to justice in the United States.
If your court charges a filing fee, we'll let you know. We automatically calculate your filing fee, make it easy for you to pay it, and make sure that payment gets to your court.
What Comes After a Civil Summons for Debt Collection?
The Summons is just the beginning. A series of documents can come after, and even before the Summons. The diagram below shows the possible paths of documents in a debt collection lawsuit.
Here is our recommended path to victory. If the collector sends you a Debt Collection Letter, respond with a Debt Validation Letter. There is a good chance they can't validate the debt; if they can't, you win.
If they think they can validate the debt, then a good debt validation letter will force them to sue you to collect on the debt, at which point they'll send you a Complaint and Summons. You should respond with an Answer. If you don't, you'll lose.
Once you've filed an Answer, there are three likely outcomes. One, the collectors give up and file a Motion to Dismiss: you super win. Two, you or the collector makes a settlement offer. In a settlement, the defendant ends up paying less than they're being sued for: so, in effect, you win. Three, litigation continues. In this scenario, the collector usually starts discovery by filing a Request for Admissions or something similar. You then need to respond with a Response to Request for Admission, and the case can go on indefinitely: it's unclear who will win or lose in this scenario.
How to answer a summons for debt collection in your state
Here's a list of guides for other states.
- 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
- Virginia
- Washington
- West Virginia
- Wisconsin
- Wyoming
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How Much Do You Have to Be in Debt to File for Chapter 7?
What Is the Statute of Limitations on Debt in Washington?
How Long Does a Judgment Last?
Can Private Disability Payments Be Garnished?
Can Debt Collectors Call From Local Numbers?
Does the Fair Credit Reporting Act Work in Florida?
The Truth: Should You Never Pay a Debt Collection Agency?
Should You Communicate with a Debt Collector in Writing or by Telephone?
What Happens After a Motion for Default Is Filed?
Can a Process Server Leave a Summons Taped to My Door?
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How to Make a Debt Validation Letter - The Ultimate Guide
How to Make a Motion to Compel Arbitration Without an Attorney
How to Stop Wage Garnishment — Everything You Need to Know
How to File an FDCPA Complaint Against Your Debt Collector (Ultimate Guide)
Defending Yourself in Court Against a Debt Collector
Tips on you can to file an FDCPA lawsuit against a debt collection agency
Advice on how to answer a summons for debt collection.
Effective strategies for how to get back on track after a debt lawsuit
New Hampshire Statute of Limitations on Debt
Sample Cease and Desist Letter Against Debt Collectors
The Ultimate Guide to Responding to a Debt Collection Lawsuit in Utah
West Virginia Statute of Limitations on Debt
What debt collectors cannot do — FDCPA explained
Defending Yourself in Court Against Debt Collector
Arkansas Statute of Limitations on Debt
Youre Drowning in Debt — Heres How to Swim
Help! Im Being Sued by My Debt Collector
How to Make a Motion to Vacate Judgment
How to Answer Summons for Debt Collection in Vermont
North Dakota Statute of Limitations on Debt
ClearPoint Debt Management Review
Indiana Statute of Limitations on Debt
Oregon Eviction Laws - What They Say
CuraDebt Debt Settlement Review
How to Write a Re-Aging Debt Letter
How to Appear in Court by Phone
How to Use the Doctrine of Unclean Hands
Debt Consolidation in Eugene, Oregon
Summoned to Court for Medical Bills? What to Do Next
How to Make a Debt Settlement Agreement
Received a 3-Day Eviction Notice? Heres What to Do
How to Answer a Lawsuit for Debt Collection
Tips for Leaving the Country With Unpaid Credit Card Debt
Kansas Statute of Limitations on Debt Collection
How to File in Small Claims Court in Iowa
How to File a Civil Answer in Kings County Supreme Court
Roseland Associates Debt Consolidation Review
Do Debt Collectors Ever Give Up?
Can They Garnish Your Wages for Credit Card Debt?
How Often Do Credit Card Companies Sue for Non-Payment?
How Long Does a Judgement Last?
How Long Before a Creditor Can Garnish Wages?
How to Beat a Bill Collector in Court