Start My Answer
loading...

How to Respond to a Sheriff's Note On Your Door

Hannah Locklear | December 11, 2023

Hannah Locklear
Editor at SoloSuit
Hannah Locklear, BA

Hannah Locklear is SoloSuit’s Marketing and Impact Manager. With an educational background in Linguistics, Spanish, and International Development from Brigham Young University, Hannah has also worked as a legal support specialist for several years.

Summary: If you’ve received a sheriff’s note on your door, there is a good chance you are being sued for debt. Ignoring the note can lead to bigger problems. Instead, you should reach out and respond to the debt lawsuit. You can represent yourself in court and file a legal Answer to the case with SoloSuit’s help—and win!

“I love coming home to a cute sheriff’s note on my door, notifying me that I’m being sued!” – said no one ever.

Coming home to a package or a little treat from your neighbor is always a fun surprise. On the flip side, coming home to a sheriff’s note on your door is just the worst. Upon closer inspection, you may realize that the note is a pack of legal documents notifying you of a lawsuit against you.

In this article, we’ll explain what you should do if you receive a sheriff’s note on your door and how to respond.

Use SoloSuit to respond to debt collection lawsuits in 15 minutes.

Why would a sheriff leave a note on my door?

Normally this occurs when a lawsuit has been filed against you.

You might be sued by one of your creditors, like a bank or credit card company. It could also be a lawsuit from a debt collector who has acquired your debt account.

Either way, the sheriff often has the responsibility to serve you with the legal documents that initiate a lawsuit. These documents are called the Summons and Complaint (also known as a Petition in some states).

Each state has unique laws on service of process. Some states require that legal documents be delivered face-to-face, while others only require delivery to the proper address via certified mail or delivery to a competent person over 18 years of age. Check your state’s laws here.

This situation can also arise from your landlord as a result of non-payment or late payment of your rent. In any case, it is in your best interests that you address this notice as soon as possible. But how?

What to do if the sheriff leaves a note on your door

When the Sheriff's deputy arrives at your home and there is no answer, they will leave a note for you to call their office. This means that the sheriff is trying to serve you legal papers.

At this point, you have two options: ignore the note or call the sheriff’s office.

You should not ignore a sheriff’s request to call. Ignoring the note can cause bigger issues. They may try to serve you at home again, at your workplace, or by some other means. And if the sheriff has proof that you avoided service, they can report it to the court. This may lead to the judge granting an order against you in the case.

If you decide to call the sheriff’s office, they will most likely set up a time to serve you the papers. While no one wants to receive notice of a lawsuit, it’s actually in your best interest to set up a date and time for service. It will help you keep track of how many days you have to respond to the lawsuit.

Let’s take a look at an example.

Example: Laura, who lives in Alabama, comes home from work one day to find a sheriff’s note on her door. She calls the sheriff’s office, who tells her they were trying to serve her court papers. Laura finds out she is being sued by a debt collector for an old debt of $3,000. She schedules a date and time to receive the court Summons and Complaint at home. From this date, Laura has 30 days to respond to the lawsuit, according to Alabama law. She uses SoloSuit to draft and file an Answer into the case, denying most of the collection agency’s claims against her. After a few months, Laura is relieved to hear that the case has been dismissed.


At this point, you’re probably wondering how to respond to a debt lawsuit. Keep reading to learn more.

Respond to a debt lawsuit when you receive a sheriff’s letter for debt

As we’ve mentioned before, a sheriff will likely leave a note on your door if a creditor or debt collector is trying to sue you for debt.

When you get sued for debt, you have to respond to the Summons and Complaint before your state’s deadline. Failure to respond will usually lead to a default judgment ordered against you.

With a default judgment granted, creditors and debt collectors can pursue other means to collect the money you owe, like garnishing your wages, seizing your property, or freezing your bank account.

Avoid a default judgment by filing an Answer to the lawsuit with these three steps:

  1. Respond to each claim against you.
  2. Assert your affirmative defenses.
  3. File the Answer with the court, and send a copy to the opposing lawyer.

SoloSuit can help you draft and file an Answer to a debt lawsuit in all 50 states. All you have to do is respond to a series of questions about your case, and our software will automatically generate a customized response for you.

The Answer includes your responses to each claim against you, your defenses, and a certificate of service. It’s a great way to represent yourself in court and save yourself the cost and stress of finding a lawyer to take on your case.

Check out this video to learn more about these three steps:

Don't ignore a Summons. Respond to a debt collection lawsuit with SoloSuit.

Get help if you find a sheriff’s note on your door

One such action is to contact SoloSuit. SoloSuit offers a free resource tool for American consumers that have any issues with debt collection, helping them navigate through the legal waters of being sued for debt. At SoloSuit, we have multiple resources that can assist any individual with their specific needs.

It would be beneficial to find out every path available to you if you find yourself the holder of a note from the Sheriff's office. This is where SoloSuit can help you. They say knowledge is power. Why not arm yourself with the most knowledge for your specific situation?

Gathering information is your best bet to prepare a plan on how to address the creditor or debt collector. The initial choice is simple once you have received a note from the Sheriff. You can ignore it or you can take action. Let SoloSuit provide you with the information you need to make the best choices going forward.

Protect your assets by filing a response with SoloSuit.

Settle your debt after receiving a sheriff’s notice on your door

Contacting the creditor or debt collector is the best avenue towards resolving this situation. The fact that your local Sheriff's office is attempting to serve a Summons on behalf of a creditor does convey that the debt has reached a critical point.

Receiving a note from the Sheriff may be the last opportunity for an individual to avoid having to go to court. While the creditor or collector has signaled their intent to go to court to obtain a judgment against you, there may be sufficient time for you to address this situation before the account ends up with a judgment against you.

You can reach out to your creditor or the collection agency at any stage in the debt lawsuit process to discuss settling the debt. If you have enough money saved up to pay off a portion of the debt all at once, there is a good chance you can reach a settlement agreement.

Check out our guide on how to reach a debt settlement for less.

What is Solo?

Solo makes it easy to resolve debt with debt collectors.

You can use SoloSuit to respond to a debt lawsuit, to send letters to collectors, and even to settle a debt. SoloSuit's Answer service is a step-by-step web-app that asks you all the necessary questions to complete your Answer. Upon completion, we'll have an attorney review your document and we'll file it for you.

SoloSettle can help you contact your debt collector or creditor and negotiate the debt to settle for less, all online. It simplifies and streamlines the process to settling your debt.

No matter where you find yourself in the debt collection process, Solo is here to help you resolve your debt.

Respond with SoloSuit

Get Started

>>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

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.

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.

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.

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.

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.

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.

Get debt relief in your state

We’ve created a specialized guide on how to find debt relief in all 50 states, complete with steps to take to find relief, state-specific resources, and more.

Debt collection laws in all 50 states

Debt collection laws vary by state, so we have compiled a guide to each state’s debt collection laws to make it easier for you to stand up for your rights—no matter where you live.

Statute of limitations on debt state guides

Like all debt collection laws, the statute of limitations on debt varies by state. So, we wrote a guide on each state’s statutes. Check it out below.

Statute of Limitations on Debt Collection by State (Best Guide)

Check the status of your court case

Don’t have time to go to your local courthouse to check the status of your case? We’ve created a guide on how to check the status of your case in every state, complete with online search tools and court directories.

How to stop wage garnishment in your state

Forgot to respond to your debt lawsuit? The judge may have ordered a default judgment against you, and with a default judgment, debt collectors can garnish your wages. Here are our guides on how to stop wage garnishment in all 50 states.

Other wage garnishment resources

How to settle a debt in your state

Debt settlement is one of the most effective ways to resolve a debt and save money. We’ve created a guide on how to settle your debt in all 50 states. Find out how to settle in your state with a simple click and explore other debt settlement resources below.

How to settle with every debt collector

Not sure how to negotiate a debt settlement with a debt collector? We are creating guides to help you know how to start the settlement conversation and increase your chances of coming to an agreement with every debt collector.

Other debt settlement resources

Personal loan and debt relief reviews

We give a factual review of the following debt consolidation, debt settlement, and loan organizations and companies to help you make an informed decision before you take on a debt.

How to repair and improve your credit score

Debt has a big impact on your credit. Below is a list of guides on how to repair and improve your credit, even while managing major debt.

How to resolve student loan debt

Struggling with student debt? SoloSuit’s got you covered. Below are resources on handling student loan debt.

Civil law legal definitions

You can represent yourself in court. Save yourself the time and cost of finding an attorney, and use the following resources to understand legal definitions better and how they may apply to your case.

Get answers to these FAQs on debt collection

How-to debt guides

Learn more with these additional debt resources



It only takes 15 minutes.

And 50% of our customers' cases have been dismissed in the past.


"Finding yourself on the wrong side of the law unexpectedly is kinda scary. I started researching on YouTube and found SoloSuit's channel. The videos were so helpful, easy to understand and encouraging. When I reached out to SoloSuit they were on it. Very professional, impeccably prompt. Thanks for the service!" - Heather



Get Started

Contents