Sample Answer to Summons for Credit Card Debt Lawsuit

George Simons

January 11, 2022

Summary: Are you being sued by a bill collector for an old debt? Not sure how to respond? Here's a sample answer to a summons for a credit card debt lawsuit.

When you've been sued over a credit card debt, the plaintiff usually hopes that you'll ignore the lawsuit. Unfortunately, ignoring the lawsuit means the court will pass a default judgment against you, awarding the plaintiff legal authority to pursue other debt collection methods such as wage garnishment to recover the amount you supposedly owe.

The worst part of a default judgment is that it usually awards the plaintiff authority to pursue the debt even if you don't owe the amount stated or the entire debt. By failing to respond to the summons, the court assumes that you owe the indicated amount and grants the plaintiff permission to recover it within the state's legal parameters.

Make the right affirmative defense with SoloSuit and win in court.

But how do you respond to such a lawsuit, especially if it's your first time? First things first, it's essential to understand the elements of an answer document.

An answer document for a credit card lawsuit contains the following elements:

  • Name of Plaintiff (creditor or debt collector);
  • Name of the debtor (you);
  • Case number;
  • Affirmative defenses;
  • Date of response;
  • Respondent's contact information (your address).

Here's a sample answer to a summons for a credit card lawsuit.

[Name of Debtor or Debt Collection agency]

Plaintiff,

vs.

[Your name exactly as written on the summons],

Defendant.

[Case Number]

AFFIRMATIVE DEFENSES

Now comes Defendant [Your name exactly as written on the summons], who denies the following paragraphs of Plaintiff's Complaint:

  • Defendant denies the claims contained in [enter paragraph number] of the complaint. Defendant is without information or knowledge enough to form an opinion about the truth and accuracy of alleged claims.
  • Defendant also denies the accusations contained in [enter paragraph number]. There is not, nor has there ever been, any agreement, written, oral, or suggested between the Plaintiff and Defendant.
  • Defendant lacks knowledge about the truth and consequently denies accusations included in [enter paragraph number]. Plaintiff has failed to provide Defendant with any proof of the alleged debt.

As a result, Defendant requests that the court dismiss the plaintiff's complaint.

[Date of response]

[Your name exactly as written on the summons],

[Your contact information, preferably physical address]

Use SoloSuit to respond to a debt collection lawsuit in 15 minutes.

It's important to note that the contents of the answer document vary depending on the response you opt for, but the format remains pretty much the same. When answering a summons for a credit card debt lawsuit, you can either accept, deny the complaint, or accept in part.

Another thing you need to remember is that you need to state all your affirmative defenses in your answer document, even if some don't make sense. This is because once you've submitted the answer document, you can't use another affirmative defense if it wasn't initially listed in the answer document, even if you forgot to list it down earlier.

Besides knowing how to write an answer to a summons for credit card debt, it's also important to find out the deadline for filing this document. Each state has its own deadline, which you must strictly adhere to or risk losing the lawsuit to the plaintiff.

Alternatively, you can use SoloSuit to file an attorney-approved answer within 15 minutes, saving you time and energy while guaranteeing peace of mind.

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


Get Started


>>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?

SoloSuit FAQ

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