How to File in Monmouth County Courthouse
George Simons | December 02, 2022
Summary: Do you need to file documents in Monmouth? Learn how to file in Monmouth County Courthouse to make sure you have the best chance at winning your case.
A debt collection summons isn't always the greatest news any borrower would like to receive. Sometimes though, debt collectors have no choice but to seek legal action against a delinquent borrower. If you've been sued in Monmouth County, New Jersey, this isn't the time to panic; you just need to know how to file your Answer on time to stand a chance of having a fair hearing.
That's the beginning of your journey towards becoming debt-free. Here's how to answer a debt collection Summons in Monmouth County Courthouse.
File an answer to debt collection lawsuit in 15 minutes with SoloSuit.
The category of claims and deadlines explained
In New Jersey, debt claims fall into three groups, depending on the money owed. They include:
- The Small Claims Court- amounts between $1 and $3,000 filed at Monmouth County Small Claims Court.
- The Law Division, Special Civil Part – amounts between $3,000 and $15,000 filed at the Special Civil Part Court.
- The Law Division Claims – any amount above $15,000 filed at the Law Division of Monmouth Superior Court.
The procedures of the Small Claim Court are often less demanding than those of the Law Division Court. However, if you receive a Summons from any of these courts, you'll be required to respond within 35 days.
If you fail to do so within this period, the judge will automatically rule in favor of the plaintiff in a process called a default judgment.
But if you don't know how to respond to a debt collection summons, you can use SoloSuit to file your answer document in three easy steps. First, this software generates an attorney-approved answer document based on the information you provide. The answer document is then sent to the plaintiff and a copy delivered to the courthouse where the lawsuit was filed.
However, if the lawsuit has been filed in the Law Division Claim category, you can request an extension if you need more time to prepare your Answer.
Avoid a default judgment by responding to debt collectors with SoloSuit.
Steps to responding to a debt collection lawsuit in Monmouth
Debt collectors often hope that you'll fail to respond to the Summons so they may obtain a default judgment against you, which often comes with a wage garnishment order. Whether you owe the debt or not, answering the Summons is the only way to prevent a harsh judgment that adds to the already existing debt burden.
Your clock begins to tick the moment you have been served and in an appropriate manner. The debt collector needs to follow certain rules while delivering the Summons and the Complaint, which you can use in your defense in court if violated.
Here is what to do once you receive the Summons:
- Check for the deadline date usually indicated in the Summons to help you plan your time appropriately.
- Collect all your evidence to bring to trial if you believe you don't owe money.
- Prepare your Answer document, fill in all the required information and respond to all the claims filed against you.
- File a copy of your Answer to the court immediately and also send a copy to the debt collector through their lawyer if they have one or in person.
Alternatively, you can use SoloSuit to create an answer document in minutes. The software will ask you a few questions, generate an attorney-approved Answer document, send a copy to the plaintiff and another to the court where the lawsuit has been filed.
Use SoloSuit to answer a debt collection lawsuit fast and win your case.
What to include in your answer document
Other than your response, your Answer document should include:
- Your personal information, including your name and address.
- Information about the plaintiff, such as the name of the lender, attorney, or the debt collection agency suing you.
- The information about the court, such as the address and the venue where the case will be heard
- Any reference numbers of the case.
Your Answer will also vary according to the circumstances of the case. In general, your Answer can be framed as follows:
- A denial of the claims or a denial of the allegations due to lack of information.
- A response admitting the claims.
- A response claiming that the Summons is directed to the wrong person.
If you believe the plaintiff has no case against you, you must assert your affirmative defense in your Answer. Good examples of affirmative defenses include:
- The debt has already been cleared.
- You were not informed of your rights as a cosigner.
- The amount owed isn't correct, or the debt was partially paid
- The account listed is not yours.
- The debt was discharged in bankruptcy.
How Solosuit can help you file your answer in Monmouth County Courthouse
Solosuit is a web application that can help you respond to a debt lawsuit by generating your Answer exclusively depending on your situation. The software guides you through a set of questions relating to your specific lawsuit and finally generates an Answer. The Answer is then reviewed by an attorney and delivered to the plaintiff and court handling the lawsuit.
SoloSuit can also help you file your Answer directly to Monmouth County Courthouse in New Jersey, so you won't have to struggle with beating deadlines or understanding complex legal processes. As a result, this option offers an opportunity for the defendant to comfortably face the debt collection lawsuit and begin their journey towards a debt-free life.
What is SoloSuit?
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
>>Read the FastCompany article: Debt Lawsuits Are Complicated: This Website Makes Them Simpler To Navigate
>>Read the NPR story on SoloSuit: A Student Solution To Give Utah Debtors A Fighting Chance
How to answer a summons for debt collection in your state
Here's a list of guides for other states.
All 50 states.
Guides on how to beat every debt collector
Being sued by a different debt collector? We're making guides on how to beat each one.
Win against credit card companies
Is your credit card company suing you? Learn how you can beat each one.
Going to Court for Credit Card Debt — Key Tips
How to Negotiate Credit Card Debts
How to Settle a Credit Card Debt Lawsuit — Ultimate Guide
Get answers to these FAQs
Need more info on statutes of limitations? Read our 50-state guide.
Why do debt collectors block their phone numbers?
How long do debt collectors take to respond to debt validation letters?
What are the biggest debt collector companies in the US?
Is Zombie Debt Still a Problem in 2019?
If a car is repossessed, do I still owe the debt?
Is Portfolio Recovery Associates Legit?
Is There a Judgment Against Me Without my Knowledge?
Should I File Bankruptcy Before or After a Judgment?
What is a default judgment?— What do I do?
Summoned to Court for Medical Bills — What Do I Do?
What Happens If Someone Sues You and You Have No Money?
What Happens If You Never Answer Debt Collectors?
What Happens When a Debt Is Sold to a Collection Agency
What is a Stipulated Judgment?
What is the Deadline for a Defendant's Answer to Avoid a Default Judgment?
Can a Judgement Creditor Take my Car?
Can I Settle a Debt After Being Served?
Can I Stop Wage Garnishment?
Can You Appeal a Default Judgement?
Do I Need a Debt Collection Defense Attorney?
Do I Need a Payday Loans Lawyer?
Do student loans go away after 7 years? — Student Loan Debt Guide
Am I Responsible for My Spouse's Medical Debt?
Should I Marry Someone With Debt?
Can a Debt Collector Leave a Voicemail?
How Does Debt Assignment Work?
What Happens If a Defendant Does Not Pay a Judgment?
How Does Debt Assignment Work?
Can You Serve Someone with a Collections Lawsuit at Their Work?
What Is a Warrant in Debt?
How Many Times Can a Judgment be Renewed in Oklahoma?
Can an Eviction Be Reversed?
Does Debt Consolidation Have Risks?
What Happens If You Avoid Getting Served Court Papers?
Does Student Debt Die With You?
Can Debt Collectors Call You at Work in Texas?
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?
Do I Need a Debt Negotiator?
What Happens After a Motion for Default Is Filed?
Can a Process Server Leave a Summons Taped to My Door?
Learn More With These Additional Resources:
Need help managing your finances? Check out these resources.
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
How to Liquidate Debt
Arkansas Statute of Limitations on Debt
You're Drowning in Debt — Here's How to Swim
Help! I'm 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? Here's 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
How to Stop a Garnishment
Debt Eraser 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