How to File in Monmouth County Courthouse

George Simons | December 02, 2022

Edited by Hannah Locklear

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.

>>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.

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; File a Motion to Satisfy Judgment Vermont Virginia Washington West Virginia Wisconsin Wyoming

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.

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